Scottsdale Insurance Company insures the riskier parts of life, the universe, and everything. The property/casualty insurer specializes in excess and surplus insurance lines (E&S) -- insurance coverage for higher-risk individuals and businesses including alarm contractors, bars, exterminators, and tree trimmers. The company also offers such niche products as pet insurance, professional liability, and products for public entities (cities and counties). E&S providers are not allowed to advertise directly to consumers, so Scottsdale Insurance relies upon wholesale general agents, program managers, and brokers to sell its products through local agents. The company is a subsidiary of Nationwide Mutual Insurance.