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Scottsdale Insurance Review & Complaints: Commercial & Home Insurance

In this Scottsdale Insurance Review, we cover everything you need to know about the company including Scottsdale Insurance Complaints. Scottsdale Insurance Company is a subsidiary of Nationwide and offers commercial transportation and property insurance for a variety of businesses and public entities. Scottsdale insurance quotes are only available through an agent, but you can submit Scottsdale Insurance Company claims online, through e-mail, or on the phone. The company currently has an A+ financial rating from A.M. Best.

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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 11, 2020

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Key InfoDetails
Year founded1982
Current executivesThomas Clark - President (Nationwide E & S Specialty Team)
# of employeesAround 11,000
Total sales$26.6 billion in revenue (2016)
Headquarters address8877 N. Gainey Center Dr.
Scottsdale, AZ 85258
Phone number(800) 423-7675
(480) 365-4000
Company websitehttps://www.hmia.com/insurance-company/scottsdale-insurance-company
Premiums writtenNearly $3 billion (2016)
Best forBusinesses seeking commercial policies
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Scottsdale Insurance
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Looking for information about Scottsdale Insurance Company?

Most of the time, searching for the best auto coverage for your needs would mean hours of research, long phone calls, and hours of internet searches. Imagine, instead, if you had all the information you needed in one easy guide.

That’s exactly what we have put together here for you. In this Scottsdale Insurance Review, we will look at and analyze all the information related to the Scottsdale Insurance Company, including Scottsdale Insurance complaints, to give you a better idea of the options available to you.

For four decades, Scottsdale Insurance has been writing property & casualty products, mainly in the commercial arena. A part of Nationwide Insurance’s group of companies, they come with a strong financial backing and an unusual mix of products including pet insurance.

Who owns Scottsdale Insurance Company?

Scottsdale Insurance’s parent company is Nationwide Insurance, which announced in 2014 plans to bring all of their companies under the Nationwide name, and drop all previous names and logos. In January 2016, the company completed its rebrand of Scottsdale Insurance.

Scottsdale Insurance is a part of the E & S Specialty Team of the Nationwide Mutual Insurance Company.

What is E & S Insurance? This stands for Excess and Surplus Insurance. It is a specialty market that insures things standard carriers won’t cover. This branch of Nationwide was created in 1982.

The Nationwide Mutual Insurance company writes policies under all of the following company names:

  • Western Heritage Insurance Company
  • Scottsdale Surplus Lines Insurance Company
  • Scottsdale Insurance Company
  • Scottsdale Indemnity Company
  • National Casualty Company
  • Freedom Specialty Insurance Company

This auto insurance review will look at operations through both the Scottsdale entity and its parent company, Nationwide.

Looking to buy Scottsdale Insurance? If you’re ready to start comparing auto insurance rates now, enter your ZIP code into our free quote tool to get started!

Scottsdale Insurance Car Insurance Rates

Since Scottsdale does not offer online quoting and their products are heavily weighted towards commercial lines, it’s difficult to obtain any sort of price comparison.

For personal lines, the lack of bundling discounts such as auto and home – and the added cost of agent commissions – means that Scottsdale is unlikely to be a major competitor price-wise. This is especially true when compared to major direct-buy insurance companies.

Because commercial policies vary so widely, general price comparisons are very difficult to provide.

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important.

You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy.

The table shows average, annual rates based on coverage levels.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$150.36
Collision$299.73
Liability$516.39
Full$954.99
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These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code.

If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

Keep reading to learn more.

What is Scottsdale Insurance availability by state?

Scottsdale Insurance was founded in 1982 in Scottsdale, Arizona, as the name indicates. The company grew quickly, exceeding expectations, and moved on to acquiring additional companies in states like New York, Minnesota, and California. Today the company writes business in all 50 states and has many subsidiary companies.

The company also has locations in other areas such as Scottsdale Insurance of Florida and Scottsdale Insurance of Columbus, Ohio.

Is Scottsdale Insurance a part of Nationwide?

Yes, it is, meaning they carry many of the same benefits as Nationwide insurance.

Chances are, no matter where you are in the United States, Scottsdale Insurance and its parent company, the Nationwide Mutual Insurance Company, have you covered.

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Scottsdale Insurance Car Insurance Coverages Offered

One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much insurance coverage do I need?

Watch the video below to get a better idea of the different types of car insurance coverage and what each one does.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

If you decide that you need more than the minimum coverage required by the state, there are several different options available to you as additional coverage.

Take a look at the table below to get an idea of the different types of auto policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage
Insurance Coverage TypesWhat It Covers
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Again, these are just guidelines and actual prices will vary so it is always wise to do a little comparison shopping for your auto policy before purchasing.

What are Scottsdale Insurance’s bundling options?

Many insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5% to 25% if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles.

Auto insurance companies offer up to a 25% multi-car discount on combined policies.

What are discounts offered by Scottsdale Insurance?

Generally, your auto insurance discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Common Auto Insurance Discounts Offered by Company
Discount TypesDiscount SavingsCompanies Offering Discount
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%Geico, Esurance, USAA
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.

What programs are available from Scottsdale Insurance?

As previously mentioned, Scottsdale’s focus is largely on commercial insurance, covering a variety of business needs. They also provide coverage to public entities.

Scottsdale products are sold through agents, and the vast majority of them are commercial products. On the personal lines side, Scottsdale writes a variety of home insurance policies and liability options, and they are also the owner of the pet health insurance company Veterinary Pet Insurance (VPI).

Take a look at the table below to see the programs offered through Scottsdale Insurance.

Kind of InsuranceCoverage TypeWhat is covered?
Commercial productCommercial transportationCovers ambulances, construction vehicles, car dealers, rental cars, etc.
Commercial productCommercial propertyAvailable for multiple business classes such as commercial property, crime, equipment breakdown, excess property, inland marine, etc.
Commercial productGeneral liabilityCovers employee benefit liability, general liability, liquor liability, owners'/contractors' liability, products/completed operations, program business, unique/unusual operations, etc.
Commercial productExcess & UmbrellaPolicies used to extend liability coverage beyond underlying policies
Commercial productProfessional lines policiesCovers accountants, architects, behavioral healthcare, educators, federal employees, financial services, lawyers, insurance agents, etc.
Commercial productPublic entitiesCovers cities, towns, and villages of various sizes as well as fire departments, utilities, and public employee liability
Personal productProperty & CasualtyCovers homeowners', dwelling fire, mobile home, farm and ranch, inland marine, monoline liability, umbrella & excess liability, condo, boat, renters' insurance, etc.
Personal productPet insuranceCovers emergency medical coverage and well care coverage for pets through VPI, a pet insurance company owned by Scottsdale Insurance
Personal productAuto insuranceCovers personal auto insurance and antique, classic, and customized automobile insurance
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Keep reading to learn more.

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Canceling Your Scottsdale Insurance Car Insurance Policy

What should you do if you need to cancel your policy?

Watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel.

If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.

Your agent will let you know when the changes will take effect and whether or not you are entitled to a refund of any policy premiums you have paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.

Your insurance provider will let you know what, if anything, is required of you in order to do so.

How to Make a Scottsdale Insurance Car Insurance Claim

Through Scottsdale Insurance, policyholders can either report their auto insurance claims by telephone or through the website.

If you are filing your claim on the website, you should have:

  • Your policy number
  • Information regarding the accident (time, place, and date)
  • Names and numbers of other parties involved
  • Details of the accident
  • Police report information

It takes approximately five to ten minutes to report the claim online. The site even provides a claim entry overview in video form for further explanation on filing a claim.

Online claims reporting is available for property, general liability, auto/transportation, and professional liability.

Some claims for subsidiary companies such as VPI are submitted through alternate means, as the companies have their own claims program.

Watch the video below about insurance claims to get an idea of what you can expect during the claims process.

Keep reading to learn more about Scottsdale Insurance.

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Scottsdale Insurance: Car Insurance Ratings

Is Scottdale Insurance Company an admitted carrier?

Nationwide E & S group actually works through both admitted and non-admitted carriers.

What is the Scottsdale Insurance Company rating?

Nationwide is considered to be one of the largest insurance companies in the United States. The Scottsdale Insurance Company AM Best rating is an A+ and they also have an A rating with Standard & Poor’s.

Scottsdale Insurance receives the same ratings as Nationwide is their parent company.

At the time of this review BBB information was not available for Scottsdale Insurance. The BBB is in the process of updating information on all Nationwide companies. As a result, there is no rating or complaints information available at the time of this review.

Nationwide, Scottsdale’s parent company, has been accredited with the BBB since 1955 and holds an A+ rating.

However, there were a handful of reviews of Scottsdale around the Internet. The majority of which cite a failure to answer phones or provide communication to the injured party when a Scottsdale insured appears to have been at fault.

In fact, the majority of reviews are from people who were not actually insured by Scottsdale, but dealt with them on a claim. It’s difficult to find much in the way of actual customer commentary.

More information on the company can also be found on the Scottsdale Insurance Company Wiki or the Scottsdale Insurance Company Bloomberg report.

Scottsdale Insurance Company NAIC reports can also be found on the website for the National Association of Insurance Commissioners. The NAIC also provides information on Scottsdale Insurance Company loss runs as well as the Scottsdale Insurance Company’s state of incorporation.

Rating CompanyGradeFinancial Outlook
AM BestA+Stable
Better Business Bureau (BBB)A+ (Nationwide)Stable
Standard & Poor's (S & P)A (Nationwide)Stable
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As far as the personal lines products from Scottsdale, at the time of this review there were no complaints or comments relating to individual property & casualty, with most complaints focusing on commercial auto claims.

The Bottom Line

Scottsdale Insurance may be a good choice for businesses seeking policies such as commercial transportation and business liability. The lack of reviews directly from customers makes it hard, however, to tell what the policyholder experience is with their service and claims.

They do offer some specific and unusual products that could bump them to the front of the line if your business needs fall within those particular areas.

Due to the lack of information both on products and pricing, it’s difficult to recommend Scottsdale for personal property & casualty coverage. Most individuals will likely find a better price elsewhere, along with the option to bundle auto and home together.

Now that you know everything you need to know about Scottsdale Insurance, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you?

Looking for affordable Scottsdale Insurance? Compare your current Scottsdale Insurance car insurance quotes to other top companies. Enter your ZIP code below and start comparing FREE auto insurance quotes now.

Scottsdale Insurance FAQs

In this section, we answer some of the most commonly asked questions about Scottsdale Insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Scottsdale Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541/mo.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Get your driver’s license suspended or revoked
  • Lie during the application process
  • Fail to pay your auto insurance premium

Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.

#3 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.

By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#4 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company.

With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing.

That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#5 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it.

That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

[su_spoiler title=”References:” icon=”caret-square” style=”fancy” open=”yes”]

  1. https://www.fbi.gov/news/pressrel/press-releases/fbi-releases-2018-crime-statistics
  2. https://www.consumerfinance.gov/consumer-tools/auto-loans/
  3. http://ratings.ambest.com/searchresults.aspx?URatingId=3011349&bl=0&AltSrc=1&PPP=&AltNum=0&Ext_User=&Ext_Misc=&Portal=0&Site=&CoName=nationwide
  4. https://www.bbb.org/us/oh/columbus/profile/insurance/nationwide-0302-2388

[/su_spoiler]

 

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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.

8 Comments

  1. The worst! no communication and never get a straight answer, The adjuster nor her supervisor bother to return calls or emails from myself or my agent.

    They don’t bother to call or email my lawyer either, over a yr since my home burned down still not finished!

    I was told in the beginning I had a percentage of the total for debris removal and a yr later told by different adjust no that changed 6 mths before the fire.

    Never get a reason behind a check and or amounts paid for my contents.

    The best if being left in the dark about the apartment I am in and the extension of the lease, 2 times was left about a week before move out before she got around to it! UNREAL!

    The agent’s lawyer does not bother to call my lawyer back either ! TOTAL SHADY COMPANY

    Reply
  2. Scottsdale Insurance has provided my homeowners’ insurance in California since I bought it four years ago.

    Since all the wildfires and I live in a high fire risk area, my premium went from about $1,200.00 per year to $1,900.00 and some change this year.

    Well, much to my surprise my broker contacted me this week and stated that Scottsdale’s new quote for my annual premium is $5,500.00! I could not believe my ears.

    What a way to force a customer off of your insurance! Now I am struggling to find other coverage prior to my renewal. Shame on you Scottsdale!

    Reply
  3. Where or who do I contact about a complaint with one of your adjusters?

    Reply
  4. We purchased a business that had been in business for 19 years since the owner changed they said the business is brand new and charged us double the rate … We went from 1 truck to 2 trucks 1 flatbed to 3 flatbeds. We were told we could have them check drivers before we hire them, so we did and they sent a letter saying we were growing too fast and had too much of a turnover and that if it didn’t stop they would cancel our insurance.

    We have switched insurance companies and are so much happier I would recommend you do the same if you have this company!

    Reply
  5. Tired of trying to get a simple task accomplished. A certificate of insurance has absolutely became a night mare. Takes 3 days to come up with it will take another 4 more days just to send a certificate of insurance to one of my customers. When you are putting off my customer,yet i am your customer something is very wrong. I would hate for my company to have an actually problem it would be more a nightmare than trying to obtain a simple task. I will be looking for someone to better serve my company.

    Reply
  6. We are general contractors and made a claim against a roofer insured by Scottsdale in February of this year. We have had absolutely no communication with anyone from the company in spite of emails and phone calls. I just called the man I was told was the agent in charge of our claim and got a voicemail telling me he is out of the office until Friday. I then called customer service who gave me another name, telling me he was actually our contact person. I got exactly the same voicemail with the new name. We submitted all the required info months ago and are out over $30k for the tearoff and reroofing on our job. Don’t hire subs who have Scottsdale Insurance–you will never see a dime if they do bad work.

    Reply
  7. scottsdale insurance is biggest joke I have ever seen. My claim is 88 days old. All the company has done is do everything put pay claim. This will prob end up in court My goal is contact Arkansas Attorney General to block Scottsdale from operating in Arkansas. Thanks to [Redacted]. Thank you very much. Give this letter to Michael the president. Planing on coming to az next week.

    Thanks,
    Steve carpenter [Redacted]

    Reply
  8. I got screwed out of a lot of money by Scottsdale. I had to pay $922 down. I was not told that they use a Finance co. They declined my coverage due to a few items they did not like. I ended up only getting a refund of $254 because they took 60 days to return funds to the finance co., that I never agreed to use?

    Reply

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