Licensing Information
At STAR Mutual RRG, we prioritize transparency and compliance to give our policyholders confidence in their coverage. We are a Tennessee domiciled RRG, proud to provide commercial auto liability coverage in 40 states, meeting the regulatory requirements in each jurisdiction where we operate. We focus on delivering reliable, legally compliant insurance solutions you can trust.
Our commercial auto coverage footprint
Commercial auto liability insurance available in 40 states, with one more state on the way.
Physical damage coverage available in 10 states, with 3 more states to follow shortly.
To check our status, pease select your state and follow the link below.
Arizona Department of Insurance
Arkansas Department of Insurance
California Department of Insurance
Colorado Division of Insurance
Connecticut Department of Insurance
Delaware Department of Insurance
Florida Department of Insurance
Georgia Office of Commissioner of Insurance and Safety Fire
Idaho Department of Insurance
Illinois Department of Insurance
Indiana Department of Insurance
Iowa Department of Insurance
Kansas Department of Insurance
Maine Bureau of Insurance
Maryland Insurance Administration
Minnesota Department of Insurance
Mississippi Department of Insurance
Missouri Department of Insurance
Montana Commissioner of Securities and Insurance
Nebraska Department of Insurance
Nevada Division of Insurance
New Jersey Department of Banking & Insurance
North Carolina Department of Insurance
North Dakota Department of Insurance
Ohio Department of Insurance
Oklahoma Insurance Department
Oregon Division of Financial Regulation
Pennsylvania Insurance Department
Rhode Island Department of Business Regulation
South Carolina Department of Insurance
South Dakota Department of Insurance
Tennessee Department of Commerce & Insurance
Texas Department of Insurance
Utah Department of Insurance
Vermont Department of Insurance
Virginia Bureau of Insurance
Washington Office of the Insurance Commissioner
West Virginia Offices of the Insurance Commissioner
Wisconsin Office of the Commissioner of Insurance
Wyoming Department of Insurance
Notes on registration per state
Registration information may vary by state. We recommend checking for updates regularly.
STAR Mutual RRG is continuously expanding into new states. Please get in touch with us to learn more about our status or future plans.
What does it mean for an insurance company to be licensed?
A licensed insurance company meets the legal and financial requirements set by the Department of Insurance in the state in which it operates. This process ensures that the company is financially stable, complies with regulatory standards, and operates fairly and transparently. For consumers, working with a licensed insurer means their coverage is legitimate and recognized under the law.
What are the advantages of working with a licensed insurance provider?
How does STAR Mutual RRG ensure compliance with state regulations?
What is the Liability Risk Retention Act, and how does it protect policyholders?
How can I verify that STAR Mutual RRG is registered to do business in my state?
Is STAR Mutual RRG coverage valid outside the states mentioned above?
What happens if my business operates in states where STAR is not registered to do business?
Common questions
What does it mean for an insurance company to be licensed?
A licensed insurance company meets the legal and financial requirements set by the Department of Insurance in the state in which it operates. This process ensures that the company is financially stable, complies with regulatory standards, and operates fairly and transparently. For consumers, working with a licensed insurer means their coverage is legitimate and recognized under the law.
What are the advantages of working with a licensed insurance provider?
Choosing a licensed insurance provider like STAR Mutual RRG ensures:
Legal Compliance: Your policy meets all state-mandated requirements.
Financial Security: Licensed providers demonstrate financial stability to pay claims.
Regulatory Oversight: Regular audits and evaluations protect consumers.
Consumer Recourse: If there’s an issue with your policy or claims, state insurance regulators can assist you in resolving disputes.
How does STAR Mutual RRG ensure compliance with state regulations?
Compliance is an ongoing priority at STAR Mutual RRG. We operate under strict regulatory guidelines established by our domiciliary state and adhere to the Liability Risk Retention Act (LRRA). Here’s how we maintain high standards:
Maintain Licensing Requirements: STAR consistently meets the financial and operational standards required by our home state and all other states where we’re registered to do business.
Stay Current on Regulations: Our compliance team actively monitors and adapts to changes in state laws to ensure our practices align with local requirements.
Undergo Regular Audits: We undergo rigorous state and federal audits to verify compliance with licensing and operational guidelines.
Our commitment to compliance ensures that policyholders receive reliable coverage backed by legal and financial integrity.
What is the Liability Risk Retention Act, and how does it protect policyholders?
The Liability Risk Retention Act (LRRA) of 1986 is a federal law that allows Risk Retention Groups (RRGs) to provide liability insurance across multiple states with primary regulation by their home state. This framework benefits policyholders by:
Streamlined coverage: RRGs can offer multi-state coverage without requiring individual licenses in each state.
Specialized solutions: RRGs are member-owned. In our case, policies are tailored to our member's commercial auto liability needs.
Regulatory Oversight: RRGs must comply with strict regulatory standards in their domiciliary state, providing consumer protections comparable to traditional insurers.
How can I verify that STAR Mutual RRG is registered to do business in my state?
You can verify our status using the links above or visiting your state’s Department of Insurance website. Alternatively, the NAIC Licensing Database offers a centralized search option for all states.
Is STAR Mutual RRG coverage valid outside the states mentioned above?
STAR Mutual RRG’s coverage is valid only within the states where we are registered to do business. If your business operates in another state, our coverage will not meet local insurance requirements or provide protection in those jurisdictions. You will need additional insurance to meet local requirements. We recommend contacting your insurance agent to discuss your specific needs.
What happens if my business operates in states where STAR is not registered to do business?
If your business operates in states where STAR Mutual RRG is not registered to do business, here are some options to consider:
Supplemental coverage: obtain additional insurance from a licensed provider in those states to ensure full compliance and protection.
Expert guidance: contact our team for advice on structuring your insurance program to meet multi-state requirements.
Future opportunities: STAR Mutual RRG is expanding, and we are continually exploring opportunities to broaden our footprint. Stay informed about our plans to register to do business in additional states.
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