Business Details
Your Trusted Insurance Partner Since 1898
Kinghorn Insurance Agency has been safeguarding clients' assets since 1898, beginning as a small operation in Beaufort, SC. Over 120 years of combined experience across four locations enables us to offer personalized insurance solutions tailored to individual and business needs. Our independent agency model provides access to multiple regional and national carriers, ensuring competitive rates for homeowners, auto, business, and employee benefit policies. With 40+ dedicated employees licensed in Georgia, North Carolina, and South Carolina, we prioritize concierge-level service and long-term client relationships.Our team of seasoned professionals, including senior partners with decades of industry expertise, specializes in risk assessment and coverage optimization. We maintain transparency in operations while adapting to evolving insurance landscapes through continuous education and technology integration. Our commitment to community is reflected through localized service approaches and active participation in regional business networks.
Services
Home Insurance
Auto Insurance
Business Insurance
Employee Benefits
Motorcycle Insurance
Group Health Insurance
Commercial Umbrella
Cyber Liability
Church Insurance
Contractor Insurance
Highlights and features
- We offer 120+ years of insurance expertise with localized market knowledge
- Our independent agency model provides access to multiple carrier options
- 40+ dedicated professionals prioritize personalized policy customization
- We maintain active licensing across three southeastern states
- Our team includes senior partners with 30+ years average industry experience
Services
Home Insurance
Our home insurance policies protect against fire, water damage, personal liability, and natural disasters while addressing unique risks like collector vehicles and wine collections. We offer replacement cost coverage with no caps and ordinance compliance rebuilding provisions. Policies include personal property protection with scheduled items for valuables.
Business Insurance
We provide business auto, cyber liability, and commercial umbrella policies tailored to specific industries including contracting, farming, and nonprofits. Coverage includes property damage, liability protection, and business interruption with specialized options for equipment and cyber risk management.
Employee Benefits
Our group health, dental, and vision plans help businesses attract talent while offering flexible voluntary coverage options. We assist with compliance documentation and provide access to 401(k) plans and disability insurance solutions for companies of all sizes.
Auto Insurance
We offer personal and commercial auto policies with bodily injury liability, uninsured motorist protection, and physical damage coverage. Our policies include rental reimbursement options and specialized coverage for classic cars while addressing both personal and business use scenarios.
Risk Assessment
Through interactive graphics and personalized consultations, we identify specific risks for homes and businesses. Our analysis covers flood exposure, liability gaps, and unique asset protection needs while recommending appropriate coverage limits and endorsements.
People
James (Jimmy) Rowe
Senior Partner
With decades of industry experience, Jimmy leads strategic operations and maintains key carrier relationships. He co-founded the current agency structure in 2013 after managing previous expansions since 1977.
William Charles Fuge II
Partner
Bill co-founded the modern agency structure in 2013 after serving as office manager since the early 2000s. He oversees daily operations across all four locations with 30+ years of client service experience.
Evan Jeffords
Partner
A Florence native with specialized knowledge in commercial risk management, Evan joined the leadership team in 2013. He focuses on business insurance solutions and agency technology integration.
Missy Layman
Partner
As a Hilton Head native and daughter of a founder, Missy brings generational insurance expertise. She specializes in personal lines coverage and client relations across the agency's locations.
Stephanie Sturkie
Partner
Stephanie contributes leadership in employee benefits solutions and agency operations management. Her expertise helps businesses develop competitive benefits packages while maintaining compliance standards.
Questions
What insurance products do you specialize in?
We specialize in personal insurance (home, auto, motorcycle), business insurance (commercial auto, cyber liability), and employee benefits (group health, dental) across multiple industries.
Are you licensed to operate outside South Carolina?
Yes, we maintain active licenses in Georgia, North Carolina, and South Carolina to serve clients across the southeastern United States.
How do you help with insurance claims?
We provide guidance through the claims process including documentation requirements and liaison with insurance carriers to ensure timely resolution of claims.
Can you help compare different insurance policies?
Yes, our service center allows policy reviews comparing coverage options, limits, and pricing to help clients make informed insurance decisions.
Do you offer online policy management tools?
We provide a service center portal for policy changes, certificate requests, and ID card generation with 24/7 access to manage insurance needs electronically.
