Scottsdale Insurance Company Property Insurance Review & Complaints

As a subsidiary of Nationwide, Scottsdale Insurance sells commercial business and personal for high-risk needs. Although the company is headquartered in Scottsdale, Arizona, it sells insurance throughout the company. Scottsdale Insurance company reviews are sparse, but it receives the same professional ratings as its parent company. For example, the Scottsdale Insurance company A.M. Best rating in 2021 is an A+.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 10, 2022

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The Highlights

  • Scottsdale Insurance provides high-risk business owners commercial insurance options
  • It also offers surplus and excess insurance for business needs that are too risky for standard insurance policies to cover
  • Scottsdale Insurance offers home insurance, but you’ll need to go to its parent company, Nationwide, for other personal insurance options
  • Customer ratings are sparse online, but Scottsdale Insurance gets good reviews with A.M. Best and the Better Business Bureau

Scottsdale Insurance was founded in 1982 and writes business and personal insurance policies as a subsidiary of Nationwide, considered by many as one of the best insurance companies. Although they are headquartered in Scottsdale, Arizona, Scottsdale Insurance writes plans throughout the country.

Also known as the Nationwide Excess and Surplus Specialty Company or the Scottsdale indemnity company, Scottsdale Insurance provides high-risk coverage for affordable prices. Scottsdale Insurance sells business insurance, as well as umbrella, general liability, homeowners insurance, and many other products.

However, the true measure of a company isn’t in the services they list on their website. You can get a better idea of how Scottsdale Insurance can help you by reading reviews.

After you read a few Scottsdale Insurance company reviews, your next step should be to compare quotes with a variety of companies. Enter your ZIP code into our free tool to see what quotes might look like for you.

What is Scottsdale business insurance?

While Scottsdale Insurance sells many plans, its biggest seller is high-risk commercial insurance. High-risk business insurance includes owners with a history of claims and businesses in risky areas.

Scottsdale Insurance sets itself apart by offering an extensive list of insurance products for business owners. If you’re in the market for business insurance, you can get an idea of what Scottsdale Insurance sells below:

  • Commercial Property. A commercial property plan with Scottsdale Insurance protects your building. You can add crime, inland marine, primary/loss limit, and equipment breakdown coverage, as well as excess property.
  • Contract Garage. For people with a garage, you can buy garage liability, GarageKeepers direct primary, GarageKeepers legal liability, and dealer’s open lot coverage. Garage property insurance covers your building, contents, income, and extra equipment.
  • Commercial Transportation. From one car to a whole fleet, you can get your business vehicles covered with commercial transportation. This includes auto liability, cargo, physical damage, and trucker’s liability.
  • Public Entity. It can be challenging to get insurance when you work in a high-risk job. Scottsdale Insurance offers law enforcement, emergency dispatchers, firefighters, and public officials liability insurance, as well as employment practices liability insurance.
  • General Liability. While this list isn’t exhaustive, Scottsdale Insurance sells employment benefit, liquor, product, and complete operations liability. They also offer owner/contractors protective plans and other unique policies.

This is only a sampling of the insurance options you can get with this company. If you want to see more, check out the Scottsdale Insurance company website.

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What is excess and surplus insurance?

Excess and surplus (E&S) is a type of specialty insurance that covers things that other policies usually won’t. From daycare centers to multinational oil companies, E&S insurance provides valuable coverage.

Scottsdale Insurance keeps up on market trends to ensure its E&S coverage always provides exemplary service.

E&S insurance isn’t sold the same way as traditional insurance lines. You’ll buy a policy from an agent licensed in your state, but the company that writes the policy is not. That gives them the ability to take on risks that other companies won’t.

Typical insurance needs that E&S covers include casualty coverage and professional liability for high-risk jobs.

Scottsdale Insurance sells E&S plans (along with umbrella insurance) with the following coverage options:

  • Excess liability. This can include excess umbrella, excess mono-line auto, professional, liquor, and general liability.
  • Commercial umbrella. Umbrella insurance offers additional coverage for liability plans if you reach your limit. Scottsdale Insurance’s umbrella insurance is available for general, auto, professional, liquor, watercraft, employer’s, garage, aircraft, and many other types of liability.

If you need E&S insurance, Scottsdale Insurance might be your best bet. Customers leave excellent reviews for the E&S line. In fact, Scottsdale Insurance’s E&S is its highest-rated product.

Scottsdale Insurance Personal Coverage

While most of Scottsdale Insurance’s sales are commercial business policies, they also offer personal insurance. For the most part, Scottsdale Insurance provides home insurance for high-risk homeowners. Plans include:

  • Dwelling fire
  • ExWind dwelling fire
  • ExWind homeowners
  • Farm and Ranch
  • Buffer liability
  • Homeowners
  • Mobile home

Scottsdale Insurance doesn’t specifically say that they sell other types of personal insurance on its site. However, you can purchase personal insurance from its parent company, Nationwide.

While it offers personal insurance for homes and related interests, you may be better going elsewhere if you need homeowners coverage. This is a company that specializes in high-risk needs, which means that rates will be higher than they would at a standard insurance company.

If you do not need high-risk insurance, you should consider other companies. If you like Scottsdale Insurance, consider checking out Nationwide. Otherwise, there are multiple insurance providers to look at.

Additionally, Scottsdale Insurance focuses mostly on business insurance. When you buy home (or any other personal) insurance, it can bring peace of mind knowing your provider knows the ins and outs of your product.

Scottsdale Insurance Company Reviews

With Nationwide as its parent company, Scottsdale Insurance has the same professional ratings. For example, the Scottsdale Insurance company’s A.M. Best rating in 2021 is an A+, meaning they are financially stable and can pay claims.

The Better Business Bureau gives Scottsdale Insurance an A+ rating, but the site is plagued with customer complaints. However, the BBB complaints are directed at Nationwide rather than specifically at Scottsdale Insurance.

Customer reviews can be hard to find online, but some customers are upset. The biggest complaints stem from communication. Scottsdale Insurance also seems to have a problem handling claims from outsiders when one of their insured customers is at fault for an accident.

Another drawback for the company is that it doesn’t accept claims through a mobile app or online form. Instead, you have to either call the Scottsdale Insurance company claims phone number or write an email.

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Scottsdale Insurance Company for Business Needs

As a subsidiary of Nationwide, Scottsdale Insurance specializes in high-risk insurance for commercial needs. Whether that need is for building coverage or fleet insurance, Scottsdale Insurance has it covered.

While the company doesn’t have many reviews for its personal insurance line, business owners tend to appreciate the coverage Scottsdale Insurance provides, regardless of your risk level.

Now that you’ve read Scottsdale Insurance company reviews, you might have a better idea if it’s a good fit for your needs. However, you should still compare prices to make sure you get the best. If you want to see what quotes from top companies might look like for you, enter your ZIP code into our free tool.

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