Business Details
Your Trusted Insurance Partner in Charleston, SC
C. T. Lowndes has been a trusted name in the insurance industry since 1850, serving the South Carolina Lowcountry and beyond. As a family-owned and operated agency, we pride ourselves on offering personalized insurance solutions tailored to the unique needs of our clients. With over 170 years of experience, we represent multiple insurance companies to provide a wide range of options for personal, business, and employee benefits coverage. Our team of over 20 dedicated advisors is committed to delivering exceptional service, leveraging deep local knowledge and industry expertise.We prioritize community involvement, maintaining a strong reputation built on honesty, integrity, and customer-centric values. Our eight convenient locations across South Carolina ensure accessibility for clients seeking comprehensive risk management solutions. As a veteran-owned business, we bring a unique perspective to insurance services, combining tradition with modern approaches to meet evolving client needs.
Services
High Net Worth Insurance
Flood Insurance
Home Insurance
Business Insurance
Employee Benefits
Highlights and features
- Over 170 years of continuous service to the Lowcountry community
- Eight convenient South Carolina locations serving 20+ states
- Team of 20+ experienced insurance advisors with local expertise
- Veteran-owned business committed to community service and values
- 300+ five-star Google reviews from satisfied policyholders
What people say
Fantastic service
Excellent experience
Best in the area
Quick professional delivery
Trusted advisors
Services
Home Insurance
Our home insurance policies protect your primary asset against fire, water damage, personal liability, and natural disasters. We offer replacement cost coverage with no caps, valuable possessions scheduling, and flood protection endorsements. Policies include additional living expense coverage for temporary displacement and specialized options for collector cars, wine collections, and secondary homes. Our advisors help customize limits to match current reconstruction costs and building code requirements.
Flood Insurance
Flood insurance covers structural and contents damage from rising waters, including sewer backups and storm surges. We provide National Flood Insurance Program (NFIP) policies with building and contents coverage options for foundations, appliances, and personal property. Our specialists help assess flood risk regardless of zone designation and offer excess coverage beyond federal program limits for enhanced protection.
Business Owners Policy
BOP combines property and liability coverage for businesses, including protection against fire, theft, business interruption, and cyber liability. Policies feature customizable limits for equipment breakdown, directors & officers liability, and employment practices. We offer umbrella coverage up to $10M and specialized endorsements for environmental risks, crime bonds, and workers' compensation compliance.
Group Health Insurance
We design group health plans meeting ACA requirements with options for HMO, PPO, and HDHP structures. Our brokers help implement voluntary benefits like dental, vision, disability, and critical illness coverage. We assist with compliance documentation, cost-sharing strategies, and tax-advantaged health savings account integration for businesses seeking competitive employee benefit packages.
Auto Insurance
Our auto policies include liability, collision, and comprehensive coverage with options for rental reimbursement and uninsured motorist protection. We offer specialized coverage for collector cars, watercraft, and commercial fleets. Policyholders benefit from accident forgiveness features and personalized risk assessments that consider driving history, vehicle type, and usage patterns.
People
Henry H. Lowndes, Jr.
Owner
Fourth-generation insurance professional with 40+ years of experience in risk management and community leadership. Active in maintaining the agency's founding principles while adapting to modern insurance needs.
Willard A. Billy Silcox, Jr.
Owner
Seasoned insurance executive with expertise in commercial risk solutions. Focuses on expanding the agency's service capabilities while maintaining personalized client relationships.
Willard A. Bill Silcox, III
Owner, CEO
Strategic leader driving innovation in insurance products and digital service delivery. Balances tradition with modern approaches to meet evolving client expectations.
Chris Silcox
Owner, Account Executive
Specializes in high net worth insurance solutions with particular focus on coastal property protection. Combines technical expertise with personalized service for discerning clients.
Rawlins Lowndes
Owner, CFO
Financial steward ensuring the agency's long-term stability. Oversees risk assessment models and maintains the company's strong financial foundation established over 175 years.
Questions
What types of insurance does C. T. Lowndes & Company offer?
We provide personal insurance (home, auto, flood, high net worth), business insurance (BOP, cyber liability, workers' comp), and employee benefits (group health, dental, disability).
Do you serve areas outside South Carolina?
While headquartered in Charleston, we serve clients in 20+ states through our eight physical locations and virtual services.
How can I get a quick insurance quote?
Request instant auto quotes online or contact our team for personalized home, business, or employee benefits estimates.
What makes your agency different from others?
We combine 175+ years of local expertise with independent carrier representation to offer truly customized solutions.
Can you help with specialized insurance needs?
Yes, we offer niche coverages for collector cars, watercraft, wine collections, and cyber liability for businesses.
How do I file an insurance claim?
Use our 24/7 client center for immediate assistance or contact your local office directly for personalized claims support.
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