PRIVATE CLIENT SERVICES
This is personal insurance, redefined.
We believe that life is meant to be enjoyed.
Our passion for luxury and appreciation of quality service provides a deeply personal understanding of client needs.
What's on your mind?
Explore our products.
HIGH VALUE HOME
It's not just a house. It's a home.
Your home is unique, high-end and tailored to your needs. Your home insurance should be no different. Standard homeowners policies lack the flexibility and coverage options that are necessary to protect your property.
Let us help you create a custom policy that provides complete coverage, meets your objectives and delivers optimum value.
HIGH VALUE HOME SERVICE
An unparalleled and complimentary loss mitigation service designed to help you reduce or prevent damage before a wildfire even ignites. Additionally, certified fire professionals will be dispatched automatically if an active wildfire threatening your area.
Identity theft is the fastest growing crime in the United States, and it's not just a financial problem. That is why Thorson’s carriers are proud to offer complimentary proactive services and identity theft resolution services for policyholders.
Architectural Legacy Services
Exclusive access to a team of risk management specialists with expertise in historic preservation and architectural history. These specialists can provide guidance on how to preserve your historic home, prevent loss and offer reconstruction and renovation advice.
HIGH VALUE HOME COVERAGE
Full Replacement Cost
Take comfort in knowing that if your property is destroyed, you can completely rebuild your home with like materials and quality, even if the cost exceeds your policy limit.
If you decide not to rebuild your property after a total loss, you can receive a cash settlement up to your policy limit. The choice is yours.
In-Person Risk Assessments
Through complimentary home appraisals, our carriers’ highly trained appraisers will carefully note risks in and around your home to ensure you are fully protected.
Temporary Living Arrangements
If your home is uninhabitable due to a covered loss, you will receive coverage for your temporary living arrangements with comparable conditions to your current residence.
In the event of a covered loss, such as fire, explosion, vandalism or theft, you will be provided the amount you need to repair or replace your plants, shrubs, trees and lawns.
Our carriers work with you to determine the value of your vehicle. If a total loss occurs, you receive the amount agreed upon, regardless of any depreciation.
Cash Settlement Option
If your car is damaged in an accident and you decide you do not want to keep your vehicle, you have the option to receive an agreed value payout if your car suffers damages equal to 50% or more of the agreed value.
Original Manufacturer Parts Replacement
High value vehicles need special service when they are damaged. If your car needs repaired, the damaged parts will be replaced with original parts from the manufacturer if possible.
Repairing your car after an accident might not be enough. If personal property inside your vehicle is lost, stolen or damaged in an accident, you are covered.
Vehicle Replacement Option
If your vehicle is totaled within three years of purchase, you have the option to receive the agreed-upon value, replace it with a vehicle of the same make, model and year, or receive a new car of the same make and similar model.
White glove insurance
As a boutique firm, we offer a curated portfolio of personal solutions.
We recognize that every client’s lifestyle, needs and financial goals are different and have partnered with industry leading carriers and services specifically equipped to properly take of care you.
Your item will be insured at a market value of up to 150% of the agreed amount, allowing for appreciation over time.
New items that are similar to your covered possessions will be insured up to 90 days, giving you ample time to add them to your insurance plan.
Pairs and Sets
If an item that is part of a pair or set is lost, you will be reimbursed for the entire collection (if you part with the rest of the set), or you can receive a replacement for the lost item.
Property Damage and Bodily Injury
If someone is injured on your property, whether they slip and fall or are injured by your pet, you are covered.
Legal expenses incurred to defend a lawsuit are covered, including lawsuits involving accusations of libel, slander, emotional distress and negligent infliction of bodily injury. Even if the case is groundless, fraudulent or based on false information, our carriers will help cover the costs of your defense.
When your primary insurance policy (Homeowners, Automobile, or Collections) ends, Umbrella coverage begins at the dollar amount, reducing coverage gaps and out-of-pocket expenses.