STAR Mutual RRG
The new era of commercial auto insurance.
Advanced risk management at fair prices.
Dedicated to providing our members with the stability and support they need to thrive in the competitive transportation industry.
STAR provides commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), and serves interests of individual contractors and transportation companies from owner-operators to large fleet trucking businesses.
Founded and run by seasoned executives in commercial auto and claims administration, we work with dedicated insurance agents to protect our insured, help them assess and mitigate risks, and ensure business sustainability and financial stability.
We understand the unique challenges faced by companies in the transportation sector. We aim to alleviate the significant overhead costs that burden these businesses, particularly the inconsistent and volatile insurance rates that hinder their growth.
We offer stable, long-term insurance and empower our members to focus on what they do best: delivering reliable transportation and logistics services.
Background (2014)
The early days
2014 was pivotal. After years of serving clients in the transportation sector as both insurance agents and claims administrators, we shifted our focus to effective risk management and comprehensive driver training. This initiative was driven by the escalating costs of insurance and the unpredictable losses in public livery.
Over the course of six years, our operations consistently yielded profits, and our clients benefited from reduced premiums on a year-to-year basis, thanks to improved performance and adopted safety practices. With time, as an increasing number of our clients transitioned to the trucking industry, we established STAR Mutual RRG—an insurance company, founded on the core belief that informed and educated insureds make better business decisions, leading to lower overall losses and a more favorable risk profile.
Formation (2020)
Tailored for complexity
With the ambition to operate across multiple states with diverse client base and the inability to manage risk in person, we had to change the way we think about and approach the insurance process.
STAR’s insurance platform is a highly customizable, fully automated system with human quality control, designed to accommodate risks across all states with granular precision for proper risk analysis and management.
Our robust infrastructure is specifically crafted to encourage risk-averse behavior, ensuring that the more our clients engage with us, the more they understand how their decisions influence pricing and reduce their risks on the road. By directly linking rates to risks, we consistently reward clients who prioritize hiring skilled drivers, offering immediate price reductions within the current term.
Growth (2024)
Fundamentally different
STAR’s advanced technological capabilities provide a superior system experience with immediate response times, offering our clients and agents comfort and confidence in their day-to-day operations. This reliability allows them to focus on their core business activities, making STAR Mutual RRG the preferred choice over other insurance carriers.
With Demotech's "A" (Exceptional) Financial Stability Rating received in 2023 and A.M. Best's "B+" (Good) Financial Strength Rating received in 2024, as well as the backing of leading reinsurance companies, we currently underwrite commercial auto liability for various business classes across 34 states. STAR continuously evaluates and expands into new business classes and obtains licenses in additional states to support the growth of our insureds' businesses and their operations in multiple locations.
Outlook (2026)
Value beyond insurance policy
We are energetic, resourceful, and deeply committed to our work. With a clear roadmap for further enhancements to STAR’s insurance platform, our goal is to continuously evolve the technology that enables agents to conduct business swiftly and efficiently, while providing insureds with the affordable and reliable coverage they need.
By 2026, we plan to expand our markets and offer accessible long-term commercial auto insurance to a wider range of business classes in 47 states. We will seek out new partnerships and develop innovative methods to help our insureds thrive. With forward-looking technology, we aim to create an ecosystem where transportation businesses can streamline their insurance experience and enhance their economic potential.
Success story
PA
Large Fleet Client
Adopted a ‘Safety-first’ paradigm, transforming priorities and enhancing conscious business practices:
Improved hiring rules
Improved Safety scores
Improved Loss Ratio
Improved relations
As a result:
2+ years with STAR Mutual RRG
Pure premium $10,047 per unit
$5,000 Liability Deductible
Loss ratio - drastically decreased to 20% over 2 years
Get access to unparalleled technology-based service to quote and bind your clients in minutes.
