Putting our clients’ needs first, always.

we work for you

We are an independent agency serving the needs of clients across our region and beyond. You can trust us when we say we’ll do everything in our power to get you the best rates, because we don’t work for the insurance companies – we work for you! Our team procures quick quotes from multiple, trusted insurance carriers when you give us your information just once. We use our industry expertise to save you money and time, as well as ensure you have enough coverage to see a real benefit should you ever need to file a claim.

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Excellent customer service and face-to-face communication is a high priority for us. You’ll never deal with 1-800 numbers or frustrating automated messages when you work with our team. We believe that protecting every aspect of your life is a personal journey, so we want to get to know you personally. Whether it’s a new policy or just a simple question, we want to be your quick, reliable source for all things insurance.

Our History

Kinghorn Insurance Agency began operation in 1898 as a small operation in the back of a hardware store in Beaufort, SC. Over the years, it moved several times, but Beaufort remained its sole location until 1973, when it opened a second office on Hilton Head Island. In 1977, the office manager retired, and James L. (Jimmy) Rowe took over. Rowe had formerly managed the Bankers Trust office in Beaufort. The office continued to grow and outpaced the Beaufort location. Throughout those years of growth, a strong partnership between Rowe and the Beaufort partners remained. In 1988, they tore down the building at 32 Palmetto Bay Road and built a beautiful 4000-square-foot building. In 1992, Rowe opened a second location in Bluffton, and in 1995, a new 6,000-square-foot office building was built on Highway 278 in Bluffton. In 1999, a third office was opened in Ridgeland. In 2000, the business had grown substantially and had over 70 employees. Rowe’s longtime partner and friend, Charles Webb, wanted to continue to manage the single office in Beaufort, so Rowe sold the Hilton Head, Bluffton, and Ridgeland offices to a bank holding company and continued operating under the name of Kinghorn Insurance of Beaufort. The Beaufort location became Kinghorn Insurance of Beaufort. In 2011, the bank holding company needed capital and sold off the insurance division to an international insurance firm. Rowe remained in the position until 2012. In June 2012, Jimmy Rowe and his longtime employee and confidante, Bill Fuge, began Kinghorn Insurance Agency from scratch with only one location--the original office in Beaufort.

Evan Jeffords, a Florence native, later joined them. Shortly after, they were joined by Rowe’s daughter Melissa Layman who specializes in Employee Benefits and Life coverage as a partner. The office opened in July 2013 on Fording Island Road in Bluffton. In 2017 Kinghorn purchased a second location in Shelter Cove Executive Park on Hilton Head Island, where they remain today. In 2018 Kinghorn moved from Fording Island Road to a beautiful 5000-square-foot building in downtown Bluffton. In 2019 Miles Stalvey joined the firm as a partner managing the Charleston office on Savannah Highway, where he specializes in commercial insurance. In 2021 Matt Ayer joined the firm specializing in personal insurance in the Charleston office.

Today Kinghorn has grown substantially, with 40+ employees in four locations representing many prominent regional and national insurance companies and brokerage firms.

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