We Recommend Hiscox
The company primarily offers commercial auto insurance, specifically for heavy trucks and freight vehicles. It also offers inland marine insurance, personal liability coverage, and property insurance for individuals.
Policies are sold through independent agencies throughout California, Nevada, Oregon and Washington. Different products are available to residents of each state, with the majority of insurance products being sold through California agencies. Potential customers must contact an agent to obtain a quote or purchase insurance. Existing customers can, however, pay their bill online or download claims forms from the website.
Sutter offers a few different types of commercial auto policies to meet the needs of different businesses. Its heavy truck liability program provides physical and medical liability coverage for long-haul freight trucks. Full-coverage policies are also available under the commercial auto physical damage policy or business auto program, which are currently available only to California businesses.
At this time, there is no personal auto insurance offered by Sutter.
Sutter offers three home insurance options depending on the needs of the individual homeowner. All home insurance offered by Sutter is non-standard.
The HO-3 policy is available to individuals who cannot qualify for insurance through the standard market or whose policies may have been canceled or non-renewed. One reason a person might be in the market for this type of insurance is if they have a history of losses or if their mortgage is unconventional. This policy will pay up to the replacement cost of a home between $75,000 and $1 million.
Individuals who cannot qualify for an HO-3 due to architectural styles or similar reasons can obtain an HO-8 policy, which covers a home according to its actual cash value up to $300,000.
Finally, the Dwelling/Fire DP-1 policy is available to homeowners or landlords whose properties fail to meet the standards of most insurance companies. For example, an older home without modernized upgrades might be rejected by another insurer but welcomed by Sutter. This policy provides an actual cash value protection for the home up to $300,000 or more depending on the property.
Aside from property insurance, Sutter also offers comprehensive personal liability policies for homeowners. These policies act to provide protection against lawsuits in the event of an accident arising at the home or as a result of the insured’s actions.
Individuals or businesses with Sutter Insurance policies can file claims over the phone or by downloading and submitting a claim form. The toll-free claims number is 800-530-1124 ext 257.
Separate claim forms exist for home and auto. Because Sutter primarily offers commercial auto coverage, many of its auto claims are likely handled on a reimbursement basis.
However, if you’re a new customer, it’s a good idea to confirm with the insurance company whether an inspection needs to be completed prior to beginning repairs as not all costs might be reimbursed otherwise.
Consumer Research and Complaints
Sutter Insurance is not Better Business Bureau accredited, and little information is available about the company on the BBB website. It has no rating and there are no complaints listed for the past three years.
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A potential Sutter Insurance customer is going to be a business owner with autos to insure, or a homeowner having trouble insuring their house in the standard marketplace. Additionally, they will be from the West Coast, as that is the only area in which Sutter operates.
Sutter has no rating or complaints filed with the BBB, and while their financial rating has been downgraded, their financial outlook has been adjusted to stable form negative, according to AM Best.
For a list of companies that we recommend, visit our Best Insurance Companies page.