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CopperPoint Insurance Review & Complaints: Commercial & Worker’s Compensation Insurance

CopperPoint Insurance is a mutual insurance company, selling worker's compensation insurance and other commercial insurance products in multiple states. All of CopperPoint Insurance's products are sold through independent agents and brokers.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 18, 2020

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CopperPoint Mutual Insurance is a commercial insurance company based out of Arizona. They write commercial policies and worker’s compensation coverage in a region covering their home state as well as California.

About CopperPoint

CopperPoint was founded in Phoenix, Arizona in 1925 as SCF Arizona. The company changed its name to CopperPoint in 2013 and operates as a group of companies under a holding company. Originally created to provide worker’s compensation insurance, the company now has a wider range of commercial insurance policies.

CopperPoint Mutual Insurance sells products in Arizona, Colorado, Utah, New Mexico, and Nevada. California is not listed, although companies that are owned by CopperPoint’s holding company include Pacific Compensation Insurance Company which is located in California. The company has offices in Westlake Village, CA, in addition to its Phoenix headquarters.

Products are sold through a select list of independent agents and brokers.

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CopperPoint Products

CopperPoint writes worker’s compensation insurance either individually or as a part of their commercial packages, which include a variety of common business coverage options.

Business Owner’s package policies are available including basic coverage: general liability, commercial property, commercial auto, equipment breakdown, and inland marine. They also offer tailored packages for specific industries:

  • Restaurants
  • Hospitality
  • Retail
  • Construction
  • Manufacturing

In addition to the basic parts of a commercial package, CopperPoint also offers cyber coverage, employment practices liability, and commercial umbrella insurance.

Worker’s compensation is the company’s original produc, and is still available either as a standalone policy or as an add-on to a package. They offer loss control consultants and a in-house legal team as well as access to a network of medical providers.


Online quoting is not offered by this company, which is standard for a commercial insurance company. Since commercial insurance involves a lot of details to properly rate, quotes are best obtained by sitting down with an agent who can go over all of your company’s risks and needs and create the right package policy along with an accurate quote.


Claims information for CopperPoint is focused entirely on worker’s compensation.

There is an option to file a claim online, but the customer must be logged in to their account to access it. Claims forms can also be downloaded from the site and send in via email or regular mail. The website provides a bullet-point list of steps to be taken by both the company and the employee in the event of a worker’s comp claim.

An injured worker’s benefit guide is also available in PDF format for employees to access the information they need in the event of an injury. The site also has a state-specific provider lookup found in the claims section.

We did not see any information whatsoever on how to file other types of commercial insurance claims. Presumably, this is provided directly to the policyholder, but we expect to see at the very least a phone number provided for inquiries. The contact section of the site provides only a general, local phone number.

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Ratings and Consumer Reviews

CopperPoint has an A- rating with the Better Business Bureau (BBB), dropped slightly for failure to respond to one complaint. Only one complaint is listed as closed in the past three years. Only one customer has left a review, and that was negative citing difficulty with a worker’s compensation claim.

The 32 Google reviews provide an overall 3.8-star rating. Reviews are mixed, but there are more positive comments than negative. It is worth noting that there are several reviews left by employees of the company, and some of the comments have nothing to do with the actual customer service provided. The majority of the five-star reviews include no comments at all.

The Bottom Line

CopperPoint appears to be a solid company and may be worth a look if you are in the market for worker’s compensation. Their commercial package policies are less prominently featured and with less information on them it is harder to recommend them in that area. Overall, however, we found no red flags or major concerns with this company’s reputation or products.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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