UPDATED: Nov 30, 2018
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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.
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 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).
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’s commercial vehicle program covers a wide variety of different types of vehicles. Among them are ambulances, construction vehicles such as cement mixers and dirt haulers, tow trucks, and garbage trucks. They also write policies for used car dealers, rental cars, and more.
Commercial property coverage is available for a long list of business classes.
These policies include:
- Commercial property
- Equipment breakdown
- Excess property
- Inland Marine
Scottsdale writes general liability insurance for many different businesses, with coverage that includes:
- Employee benefit liability
- General Liability
- Liquor liability
- Owners/contractor’s liability
- Products/completed operations
- Program business
- Unique/unusual operations
Excess and Umbrella
Scottsdale writes both commercial umbrella and excess liability policies to extend the available liability coverage beyond underlying policies.
Professional lines policies are available for an array of different classes. These policies are administered by several different companies on behalf of Scottsdale. Some of the professional classes they cover are:
- Behavioral Healthcare
- Federal Employees
- Financial Services
- Insurance Agents
Scottsdale writes both liability and property coverage for public entities including cities, towns, and villages of various sizes. This includes publicly run services such as fire departments, utilities, and public employee liability.
Personal Property & Casualty
Scottsdale’s personal lines coverage options are a variety of property & casualty policies.
Available options are:
- Dwelling Fire
- Mobile Home
- Farm and Ranch
- Inland Marine
- Monoline Liability
- Umbrella and Excess Liability
Scottsdale owns VPI, a major pet insurance company that provides both emergency medical care coverage and well care coverage for a variety of pets.
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.
Scottsdale claims can be reported through one of three channels:
- 1-800-423-7675 – 24-hour claims line, press option 1
- Email your claim to:ESSReportALoss@nationwide.com
- Report your claim online
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.
Aside from the contact information, the Scottsdale website does not provide much in the way of information regarding the claims process. This may be due to the often-complex claims handled by commercial insurers such as Scottsdale.
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.
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.
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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. The 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.
For a list of companies that we recommend, visit our Best Insurance Companies page.