Business Details
49 Years
experience
Emergency
services
Your Trusted Insurance Partner in Beaufort, SC
Lowcountry Insurance has been dedicated to serving families and businesses in Beaufort and the surrounding Lowcountry region since 1977. As an independent insurance agency, we offer comprehensive coverage options for personal, commercial, and life insurance needs, partnering with top-rated carriers to provide competitive pricing and tailored solutions. Our experienced team prioritizes personalized service, taking the time to understand each client's unique risks and financial goals to deliver customized insurance strategies. Affiliated with Correll Insurance Group, we combine local expertise with national resources, ensuring clients receive both personalized attention and access to a broad network of insurance providers. With decades of industry experience, we specialize in risk management, asset protection, and insurance education, helping clients navigate complex coverage decisions.Our commitment to professional development ensures our team remains at the forefront of industry trends and regulatory changes. We serve as trusted advocates for our clients, working tirelessly to secure the most appropriate coverage while maintaining transparency and ethical standards. Our long-standing reputation in the community reflects our dedication to client satisfaction and community engagement. By focusing on long-term relationships rather than one-size-fits-all solutions, we provide peace of mind through comprehensive protection strategies. This enduring commitment to excellence has made us a trusted choice for insurance needs across coastal South Carolina.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Flood Insurance
Cyber Liability Insurance
Workers Compensation
Umbrella Insurance
Business Owners Policy
Vacation Home Insurance
Professional Liability Insurance
Details
- Year established: 1977
Highlights and features
- We offer 45+ years of local insurance expertise since 1977
- We provide access to 200+ insurance carriers for optimal coverage options
- Our team maintains specialized certifications including CISR, CIC designations
- We offer personalized risk assessment and coverage comparisons
- We combine local service with national insurance market access
Associations and certifications
- Trusted Choice
What people say
Personalized service
Competitive pricing
Local expertise
Responsive claims support
Knowledgeable staff
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions protecting businesses against property damage, liability claims, and operational disruptions. Our policies cover physical assets like buildings and equipment while offering liability protection for business operations. Specialized options include cyber liability, workers compensation, and industry-specific coverage for restaurants, associations, and emergency responders. With access to multiple carriers, we tailor policies to match specific business risks and budget requirements.
Homeowners Insurance
Our homeowners insurance offers protection against damage to residential structures and personal belongings. Coverage includes protection from natural disasters, theft, and liability for accidents occurring on the property. We specialize in coastal insurance needs, offering flood insurance options and coverage for vacation homes. Policies can be customized with additional protections for high-value items and unique property features while maintaining competitive pricing through our carrier network.
Auto Insurance
We offer comprehensive auto insurance solutions covering personal and commercial vehicles. Our policies include liability protection, collision coverage, and comprehensive protection against non-collision damages. Additional options include uninsured motorist coverage, gap insurance, and umbrella policies for enhanced protection. We provide specialized coverage for high-risk drivers, antique vehicles, and recreational vehicles while ensuring compliance with South Carolina insurance requirements.
Cyber Liability Insurance
Our cyber liability insurance protects businesses against data breaches and cyber attacks. Coverage includes first-party expenses for data recovery and business interruption, plus third-party liability for legal claims. We help businesses implement risk management strategies including encryption protocols and cybersecurity policies. This specialized coverage addresses modern threats like hacking, malware, and intellectual property theft while providing post-breach support services.
Flood Insurance
We provide specialized flood insurance coverage for residential and commercial properties in flood-prone areas. Policies cover structural damage and personal property losses from flooding events, which are typically excluded from standard homeowners insurance. Our experts help clients understand flood zone requirements and secure appropriate coverage levels. We offer both NFIP-backed policies and private market options to meet coastal South Carolina's unique insurance needs.
People
Jeff Althoff
President
Jeff Althoff leads Lowcountry Insurance with over 20 years of industry experience. He focuses on personalized client service and strategic growth while maintaining our commitment to community involvement. Jeff emphasizes professional development and carrier diversification to better serve client needs.
Jane Greene
Finance & Agency Operations
Jane Greene manages financial operations and agency compliance with 15+ years in insurance administration. She ensures accurate policy processing and financial accountability while supporting our team's operational efficiency and client service standards.
Rhonda Conner
Commercial Account Manager
Rhonda Conner specializes in commercial insurance with CISR and CIC certifications. She develops business insurance solutions for property, liability, and risk management needs while maintaining strong client relationships through personalized service and industry expertise.
Kathy Smith
Sr. Personal Account Manager
Kathy Smith provides expert personal insurance services with CISR certification. She helps clients protect their assets through comprehensive homeowners, auto, and umbrella policies while offering personalized risk management advice and coverage optimization.
Rich Chiaviello
Account Executive
Rich Chiaviello serves clients with CIC-certified expertise in insurance solutions. He focuses on matching client needs with appropriate coverage options while maintaining high service standards and policy accuracy for both personal and commercial clients.
Questions
What types of insurance do you offer?
We offer personal insurance (auto, home, flood), commercial insurance (property, liability, cyber), life insurance, and specialized coverage including workers compensation, umbrella policies, and recreational vehicle insurance.
How can you help businesses with insurance needs?
We provide customized commercial insurance solutions including property protection, liability coverage, cyber liability insurance, and industry-specific policies while offering risk management guidance and claims advocacy services.
Do you offer flood insurance in coastal areas?
Yes, we specialize in flood insurance for coastal South Carolina properties, offering both NFIP-backed policies and private market options to protect against water-related damages.
What makes you different from other agencies?
We combine local expertise with access to 200+ carriers, offering personalized service and competitive pricing while maintaining our affiliation with Correll Insurance Group for additional resources.
How do you handle insurance claims?
We provide claims guidance and advocacy, helping clients navigate the process while coordinating with insurance carriers to ensure timely and fair resolution of covered losses.
Do you offer cyber liability insurance for small businesses?
Yes, we provide cyber liability insurance covering data breaches, cyber attacks, and associated legal liabilities, with risk management resources to help protect small business operations.
