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Scottsdale Insurance Review

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UPDATED: Nov 30, 2018

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Scottsdale Insurance
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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.

Scottsdale Summary

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).

Insurance Products

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

Commercial Products

Commercial Transportation

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

Commercial property coverage is available for a long list of business classes.

These policies include:

  • Commercial property
  • Crime
  • Equipment breakdown
  • Excess property
  • Inland Marine

Additional Products

General Liability

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

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:

  • Accountants
  • Architects
  • Behavioral Healthcare
  • Educators
  • Federal Employees
  • Financial Services
  • Lawyers
  • Insurance Agents

Public Entities

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:

  • Homeowners
  • Dwelling Fire
  • Mobile Home
  • Farm and Ranch
  • Inland Marine
  • Monoline Liability
  • Umbrella and Excess Liability

Pet Insurance

Scottsdale owns VPI, a major pet insurance company that provides both emergency medical care coverage and well care coverage for a variety of pets.

Scottsdale 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.

Claims

Scottsdale claims can be reported through one of three channels:

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.

Consumer Research and Complaints

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.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A+ Stable
Fitch N/A N/A
S&P N/A N/A

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. 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.

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Review Information

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Scottsdale Insurance
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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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