Scottsdale Insurance Company Ratings
Scottsdale Insurance Company Reviews 2023 (Ratings, Complaints & Coverage). Scottsdale Insurance, also known as the Nationwide E&S Specialty Company is a US-based insurer that handles a variety of high risk insurance in business and in personal areas.
They provide property and casualty insurance specializing in excess and surplus insurance lines and high-risk coverage. Some of the industries that they provide services in include bars and pubs, exterminators, alarm contractors, tree trimmers, city and county government entities and some specialized areas like pet insurance, professional liability insurance and a few other niche products.
They are a subsidiary of Nationwide Mutual Insurance.
If you are a business owner - in a higher risk industry or with a bad claims history - that is looking to buy commercial insurance, read Scottsdale Insurance Company reviews to learn about their excess and surplus policies.
Check out Scottsdale Insurance Company reviews, ratings, complaints & coverage for excess and surplus general liability, workers compensation and other small business insurance commercial policies.
Following are some of the answers to commonly asked Scottsdale small business insurance questions:
- Does Scottsdale Offer Business Insurance?
- What Types Of Commercial Insurance Does Scottsdale Offer?
- How Much Does Scottsdale's Small Business Insurance Cost?
- Are Scottsdale's Commercial Insurance Reviews & Ratings Good?
Does Scottsdale Offer Business Insurance?
Yes, Scottsdale offers business insurance with a focus on small business commercial policies.
What Types Of Commercial Insurance Does Scottsdale Offer?
Scottsdale offers small business insurance policies including: General Liability, Commercial Property, Workers Compensation, Commercial Auto and others.
How Much Does Scottsdale's Small Business Insurance Cost?
The average cost of Scottsdale's commercial insurance policies ranges from $22 to over $179 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History.
About Scottsdale Insurance Company
The history of Scottsdale Insurance goes back to its founding as the Scottsdale Insurance Company in 1982. The company is now owned by Nationwide Mutual.
Other Nationwide units that operate in the property/casualty space include Nationwide Insurance, ALLIED Group, Nationwide Agribusiness, Harleysville Group, and Titan Insurance. Nationwide also offers life insurance and retirement products through its Nationwide Financial Services division. The Scottsdale Insurance Company reviews on the Internet are mainly positive.
Scottsdale Insurance Company was incorporated in the State of Delaware in January 1982. In March 1988 the company re-domesticated to Ohio. Financial control has been under Nationwide Mutual Insurance Company since 1982. As of December 31, 2017, Scottsdale was licensed in Arizona, Delaware and Ohio and operated on a non-admitted basis in forty-seven states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
The company is a participant in an intercompany pooling agreement with twenty-nine affiliates. Scottsdale cedes 100% of its premiums to Nationwide Mutual Insurance Company, the lead member of the pool. Scottsdale then receives a 4.0% share of the pool's combined results, which includes lines of business not directly written by the company, such as private passenger auto liability and workers' compensation. As such, the financial strength of Scottsdale is heavily dependent upon the underwriting performance of its fellow pool members.
Scottsdale Insurance Company Personal Insurance Products
When it comes to consumer products, this company probably has quite a few of them to offer. However, they mostly focus on the commercial products that they offer when it comes to listing what they have on their website. They have excess and surplus insurance lines and focusing great deal on property and casualty insurance for businesses. The consumer products that they do have are for higher risk individuals - like a homeowner that had many claims, or has a high risk home based business. Scottsdale Insurance Company reviews are not easy to find for personal lines products.
Scottsdale Insurance Company Business Insurance Products
The commercial products are wide and varied with this insurance company. They offer property/casualty insurance including excess and surplus, and some of the areas that they serve include alarm contractors, bars and pubs, exterminators, tree trimmers, professional liability insurance and pet insurance for groomers and the like.
The full scope of their commercial insurance products would be impossible to list here, but you can find them on their website. Even that list may not include everything that they offer, because you have so many different specialized types of insurance that it may take talking to a broker or agent to find out exactly what is available that fits your needs.
Scottsdale offers these and other commercial insurance policies:
- Commercial property
- Equipment breakdown
- Excess property
- Inland marine
- Participating policies
- Primary / loss limit
- Auto liability
- Auto physical damage
- Excess auto
- Truckers general liability
- Dealers open lot
- Garage liability
- Garagekeepers direct primary
- Garagekeepers legal liability
- Garage property coverages including: building, contents, business income, extra equipment and limited inland marine
Excess and Umbrella
- Commercial umbrella liability. With underlying coverages such as general liability, auto liability, employer's liability, professional liability, liquor liability, garage liability, watercraft liability, aircraft liability and various miscellaneous coverages.
- Excess liability. Can include excess umbrella coverage, as well as monoline excess auto, general liability, professional, and liquor.
- Employee benefit liability
- General liability
- Liquor liability
- Owners / Contractors protective
- Products / Completed operations liability
- Program business
- Unique or unusual classes / coverages
- Various deductible options
- Emergency dispatchers liability
- Employment practices liability
- Firefighters professional liability
- Law enforcement liability
- Public officials liability
What Is Excess & Surplus Insurance?
From the Scottsdale Insurance website: "Simply put, Excess & Surplus lines (E&S) is a specialty market that insures things standard carriers won't cover. The difficult or high-risk exposures in which E&S carriers specialize may range from a mobile home or a day care center to a multinational oil company. And anything in between. The specialty market is constantly evolving, so E&S companies must react quickly and maintain a high level of flexibility to adapt to market changes.
An essential element of E&S insurance is the inside-out knowledge required of each professional relating to the coverages, conditions and exclusions offered. The market requires E&S insurance specialists to be qualified to deal with difficult exposures to loss. These specialists, otherwise known as general agents or wholesalers, are the link between the customer, the local insurance professional and the E&S carrier. They have strong market knowledge of both local and regional insurance issues." So Scottsdale Insurance Company reviews are strong for excess and surplus lines policies.
Scottsdale Insurance Company Network
The network consists of brokers, wholesale agents and program managers to sell insurance to consumers. By law, excess and surplus insurance may not be advertised to businesses or consumers, so it is up to these local agents that are located around the country to offer Scottsdale's extended coverage and specialty insurance to businesses that come in for more information or are already doing business with them.
Are Scottsdale's Commercial Insurance Reviews & Ratings Good?
Scottsdale Insurance Company business insurance reviews are mainly positive. The Better Business Bureau gives them an A+ rating and the major insurance review sites give them at least three stars.
Scottsdale Insurance Company Contact Information
Address: 8877 N. Gainey Center Drive, Scottsdale, AZ 85258-2108
Other related companies: Nationwide Mutual Insurance Company, National Casualty Company, Freedom Specialty Insurance Company, National Casualty Company, Scottsdale Indemnity Company, Scottsdale Insurance Company, Scottsdale Surplus Lines Insurance Company and Western Heritage Insurance Company.
The Bottom Line On Scottsdale Insurance Company
The bottom line is that this company has a decent reputation and a broad product line compared to many of the insurance companies that are out there. The fact that they are also part of Nationwide, which is a highly respected insurer on its own, is even more reason to choose them for your specialty, high risk or excess and surplus coverage. Scottsdale Insurance Company reviews are mainly positive.
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