Skip to main content

Learn more about Kinghorn Insurance.

About Our Agency - Young Couple Using a Laptop While Sitting on the Sofa at Home

Home » About Our Agency

At Kinghorn Insurance, we try to safeguard what matters most to you and pride ourselves on our decades of success doing just that.

Our History

Kinghorn Insurance Agency began operation in 1898 as a small operation in the back of a hardware store in Beaufort, SC. Beaufort remained its sole location until 1973 when it opened a second location on Palmetto Bay Road on Hilton Head Island. In 1977, the office manager retired and James L Rowe took over. In 1992, a third location was opened in Bluffton and in 1999 a fourth office was opened in Ridgeland, SC.

In 2000, the business had grown substantially and had over 70 employees in four locations. With the business growth, the Hilton Head, Bluffton, and Ridgeland locations were sold to a bank holding company with Rowe continuing to manage the three locations under the name of Kinghorn Insurance Agency. The Beaufort location was managed by Rowe’s longtime partner and friend, Charles Webb, and operated under the name of Kinghorn Insurance of Beaufort. In 2011, the bank holding company sold off the insurance division to an international insurance firm. Rowe remained in the position until 2012.

In July 2013 Rowe and his longtime employee and confidante, Bill Fuge, began Kinghorn Insurance from scratch with one office at Fording Island Road, Bluffton, SC. Shortly thereafter, they were joined by partners Evan Jeffords, a Florence native, and Rowe’s daughter, Melissa Layman, a Hilton Head native.

Insurance you can trust.

Today Kinghorn has grown substantially with 40+ employees in four locations representing many prominent regional and national insurance companies and brokerage firms. We are here and ready to help you.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact Kinghorn Insurance Agency

Email Us
 843-686-3912 fax

Kinghorn Insurance Agency LLC - Logo 800

The Independent Agency Advantage

Here’s what makes our insurance agency different.

Personalized Solutions

Get the power of choice with insurance that’s designed for your unique needs.

Knowledgeable Service

We’ll be there for you with reliable service and support to help you make informed decisions.

Trusted Relationships

You can rely on us to simplify the insurance process and advise you on your insurance.

Our Team Has Your Back

We specialize in a variety of coverage options to meet your unique insurance needs.

Meet Our Team

Our Milestones


Combined Years of Experience


Years in Business


Dedicated Employees

Kinghorn Insurance Agency LLC - Logo 800 White

Our Mission

At Kinghorn Insurance Agency, our mission is very simple. We strive to provide a true, concierge client experience representing many prominent regional and national insurance companies and brokerage firms.

Personal Insurance

Protect what is most important to you with personal insurance solutions.

Business Insurance

Safeguard the future of your business with business insurance solutions.

Employee Benefits

Protect, attract, and retain your team by building an employee benefits package.


We offer insurance by industry tailored to help safeguard your business.

Kinghorn Insurance Agency is located throughout South Carolina, and licensed in Georgia, North Carolina, and South Carolina.

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Request an Insurance Quote

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 843-837-3911 or email us.