License 0243213

Business today requires insurance solutions more nimble, adaptable and forward-focused than ever before.

Provided by agents who are changing how we look at—and what we can expect from—insurance itself.

We believe our success isn’t

defined by the business we win

but the relationships we keep.

It’s a personal focus that

extends to the very core of

our organization. Each of our

employees is encouraged and

empowered to explore new

ideas, find creative solutions

and have a real and lasting

impact upon the lives of

our clients.

An insurance agency that puts

people before policies.

How’s that for a change?

Thoits Insurance was established in 1891 by the Thoits family to serve the insurance needs of small businesses in Palo Alto and the Stanford University community.

Today, that once sleepy region is a global center of science, technology and commerce. And we’ve been here every step of the way.

We continue to help businesses manage risk, insure their interests, provide employee benefits and securely position themselves for .future success.

We’re proud of our many longstanding client relationships and the contributions we make to our clients’ success. As they’ve grown, so have we. Today, we personally meet the needs of individuals and organizations nationwide—exercising prudent management and fiscal practices that have helped us exceed the Standard & Poor’s 500 performance benchmark every year since 1985.

What does this all mean? Simply, that our commitment to innovation and excellence works for our clients, our community and ourselves. We’re confident it can work for you.

more than 120 years of innovation

property and casualtyYour property is more than a structure or location. It’s the physical center of your business, and as such, protecting it against loss and/or damage plays a central role in your success. The same applies to mishaps that may occur on your property, such as bodily injury or property damage due to an accident caused by you or your employees.Trust Thoits to create customized Property and Casualty coverage that provides unmatched protection and peace-of-mind.

We roll up our sleeves and get right to work—assessing your risk,analyzing your needs and understanding your goals.We apply our underwriting savvy with analytical expertise to recommend solutions tailored just for you. Plans that are comprehensive yet cost-effective. Backed by service that will consistently exceed your expectations.

Types of Services

• Property • General Liability • Directors & Officers

• Catastrophic Coverage • Excess Liability • Employment Practice Liability

• Transit Coverage • Worker’s Compensation • Fiduciary Liability

• Builder’s Risk • Errors & Omissions • Cyber Liability

• Commercial Auto • Surety • Worldwide Coverage

risk managementOur Risk Management team reviews every aspect of your operation to identify factors and plan solutions to mitigate risks that could seriously damage your company and reputation.

Contrary to popular opinion, innovators don’t take risks. They eliminate them.In concert with interviewing your core management, we examine processes, procedures and documents that are key to the function of your organization.From this research we map our findings against proven best practices to uncover areas of potential exposure and liability. We also measure your capacity for risk, and its effect upon the type and scope of coverage you require. The result is a prudent, pragmatic plan that cost-effectively shields you and your company, while still allowing you the freedom to aggressively pursue your business goals.

employee benefitsProviding your employees with accessible, affordable health care benefits has never been more of a challenge. Let’s meet it together.

Our benefits professionals can tailor a plan suited to your exact needs. They’re smart, experienced and up-to-the-minute regarding the latest changes in legislation and markets and industry trends. And they’ve helped thousands of companies like yours look out for their employees, while keeping a firm eye on their bottom line.

Your company’s most important assets walk out the front door

every evening.By carefully analyzing your needs, we’re able to deliver creative, customized options that maximize your benefits dollars, while still providing your employees with comprehensive coverage. Examples include employee wellness programs, innovative self-funded policies and a host of other smart, cost-effective solutions.

Plans for Groups and Individuals

• Medical • Dental

• Vision • Life Insurance

• Long- & Short-Term Disability • Employee Assistance Plans

• Voluntary Benefits • Retirement Plans

• Deferred Compensation • Executive Benefits

• Lifestyle Benefits • Wellness Programs

personal insuranceWe put the same care and passion into caring for people that we put into protecting businesses. Our personal insurance services are truly personal, created by people who take the time to see the world through your eyes. We are deeply committed to protecting your family, your property and your hard-earned investments.

There’s no better feeling than knowing you’re making a difference in someone’s life.Whether you need liability or property coverage, we’ll help you protect the assets, and the people, that mean the most to you. And really, what more is there than that?

Available Plans

• Homeowner’s Insurance

• Collectibles

• Auto Insurance

• Umbrella

• Earthquake & Flood Insurance

• Boat Owner’s Insurance

• Aviation Insurance

• Rental Properties

• Inland Marine

• Individual Life Insurance

KNOWLEDGABLE

RESOURCEFUL

ATTENTIVE

INVOLVED

ACTIVEMANAGEMENT

HIG

HLY ENGAGED TEAMS COMMITMENT TO TEC

HN

OLO

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DEEP CARRIER RELATION

SHIPS

TECH

NICAL EXPERTISE

SALES DEVELOPM

ENT A

ND

VALU

E ENH

ANCEMENT

ONGOIN

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RAIN

ING

AN

D M

ENTO

RSHIP

Moving Forward,

Giving Back.

We believe that

giving back to our

community isn’t just

a responsibility, it’s a

necessity. That’s why

we’re actively involved

with a number of local

charitable causes and

organizations, donating

our time, talent and

money to help others

move boldly forward.

taking an active approach

Thoits Active Management is our proprietary process developed through years of industry leadership. By bringing people, technology and proven best practices together in a dynamic, holistic manner, we approach each challenge in a comprehensive, coordinated fashion. Every resource is efficiently applied. No detail is overlooked. The result is a continuous cycle of improvement—where our solutions and services are ever evolving to meet your changing needs.

practice groups

Overview of Services

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Our Approach

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Plans for groups and individuals:

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CONSTRUCTIONOmnicos Directe Desirabilite

Firstname Lastname

name@thoitsinsurance.com

thoitsinsurance.com

License 0243213