One agency. Three quiet specialties.
Sullivan James Personal
Home, auto, life, umbrella, classic car, and flood — for Scottsdale and Valley families. The Coverage Audit starts here.
- Homeowners + condo + renters
- Personal & luxury auto
- Term & whole life
- Umbrella to $10M
- Hagerty classic-car
- NFIP & private flood
Sullivan James Commercial
Coverage for the Arizona businesses behind our personal clients — restaurants, contractors, professional services, and retail.
- Business Owners (BOP)
- General & professional liability
- Commercial auto & fleet
- Workers' comp
- Cyber & data breach
- Bonds & E&O
Sullivan James Private Client
Concierge underwriting for $2M+ homes, agreed-value collections, and $5M+ umbrella stacks. By appointment.
- Chubb · PURE · AIG · Vault
- Replacement-cost worksheet
- In-home review available
- Collectibles & fine art
- Aviation & marine
- Advisor coordination
For the wealth advisors of Scottsdale& the families they steward.
A coverage gap on a $4M home. An underinsured collectibles policy. An old umbrella that hasn't moved in a decade. These are the leakages clients carry that an advisor didn't design — and that quietly undermine the balance sheet the advisor built.
Several Valley financial advisors refer their clients to Sullivan James. The arrangement is simple: the advisor protects the balance sheet; Sullivan James protects the property — and the two are coordinated so they never contradict each other.
- 01Advisor sends a warm intro — by email, text, or a brief call.
- 02A 30-minute review is scheduled with the client, in-home or by Zoom.
- 03Within 48 hours the client hears the findings; the signed coverage letter follows by mail within five business days — courtesy copy to the advisor.
- 04If anything moves, Sullivan James coordinates with the trust, LLC, or umbrella plan first.
A tribute to the family that taught us what matters.
Sullivan James was founded in 2016 in Scottsdale. The name honors the family whose values still guide every audit, every coverage letter, every phone call: be honest, be precise, do the right thing—even when no one is watching.
About Sullivan James →We'll look it over.
You decide.
Send Sullivan James a current declarations page. Within 48 hours you'll hear the findings — every gap, overcharge, and improvement worth making, with two or three carriers we'd move you to and why. The signed assessment follows by post, on the firm's letterhead, within five business days.
No quote engine. No call center. The audit is signed by your agent — you are not on a list, you are on stationery.
Your findings in 48 hours.
We call or email what we found — every gap, every overcharge, and what we'd change — within two business days. The signed letter follows by mail within five.
By appointment · Inquiries reviewed Mon–Fri, 8:30–5:00 MST
When you call, you reach
a real person — by first name.
No call centers. No auto-attendants. Sullivan James routes calls directly to the agent who leads that practice. Each line below is a direct path — not a queue.
5.0 on Google · 47 reviews
“Sullivan James found a $4,200 coverage gap on our Paradise Valley home that our old agent had missed for six years. Worth every minute.”
“We've referred clients to Sullivan James for years. They coordinate with our wealth plans the way a partner should — and the families love working with them.”
“Saved us $1,890 a year and put us on a stronger policy. We had their findings in two days — the easiest insurance decision we've ever made.”
Answering to you — not to any one carrier.
The honest answers.
What is the Sullivan James Coverage Audit?
It's a line-by-line review of a current personal or commercial policy. Within 48 hours, Sullivan James calls or emails you the findings — every coverage gap and overcharge — and rebuilds the coverage across the firm's 30+ carrier panel. The signed letter on Sullivan James stationery follows by mail within five business days. There's no obligation to switch.
Why use an independent agency instead of GEICO or Progressive?
Direct carriers can only quote their own rates. Sullivan James shops 30+ companies in one pass — including Travelers, Chubb, PURE, AIG Private Client, Hagerty, Progressive, Mercury, and Nationwide. When a renewal jumps, the agency re-shops the market on the client's behalf.
Does Sullivan James write commercial insurance?
Yes. Sullivan James writes the Arizona businesses behind its personal clients — BOP, general & professional liability, commercial auto, workers' comp, cyber, and bonds. Strongest in trade contractors, restaurants, professional services, retail, and real estate investors.
What is the Advisor Partnership program?
Sullivan James partners with Valley wealth advisors who refer their HNW clients for personal property and casualty coverage. The firm coordinates with the advisor's wealth and estate plan, sends a courtesy copy of every coverage letter, and never undermines the structures the advisor has designed.
Send Sullivan James
your declarations page.
We'll look it over. We'll write you back. You decide.
Claim My Coverage AuditOr call (480) 382-7332 · Mon–Fri 8:30–5:00 MST