A new kind of flame retardant (ZS) with layered a-zirconium phosphate disks (a-ZrP) as the core and inorganic flame retardant (gel-silica, GS) to shield solid acid sites on the surface of a-ZrP as the shell, was synthesized via a facile method. The incorporation effects of ZS with silicone resin on the thermal properties and flame retardance of PC composites were investigated. The presence of ZS could improve the thermal stability of PC matrix. With the addition of ZS contents increased to 3 wt %, the limiting oxygen index (LOI) of the composite was 32.3% and the vertical burning (UL-94) test reached a V-0 rating. However, with more contents of ZS, the LOI value decreased, and without the GS layer, the LOI value was decreased significantly as well. The synergism between the a-ZrP core and gel-silica shell, also with the silicone resin were found. Based on these results, the flame-retardant mechanism was proposed.