STAR Mutual RRG Announces Launch of Business Auto Liability Program

STAR Mutual RRG has launched a new Business Auto Liability program designed to meet the growing  insurance needs of contractors, service professionals, and small commercial fleets. With this expansion, STAR Mutual continues its commitment to offering small businesses a stable, accessible, and transparent solution for everyday business vehicles.

This program supports the backbone of local economies: the businesses that keep communities running through construction, repair, delivery, and essential services.

Built for light- and medium-duty commercial vehicles, the program offers clear underwriting guidelines and a streamlined onboarding process. For contractors and service businesses that depend on their vehicles to operate, it provides clear, reliable coverage options without the extensive requirements typically found in trucking-focused programs.

Business Auto Program Overview:

• Available states: California, New Jersey, Texas, Florida, Illinois, Pennsylvania, Nevada, Ohio, North Carolina, and South Carolina.

• States launching soon: Colorado, Connecticut, Arizona, Arkansas, Utah, Wyoming, Indiana, Georgia, Oklahoma, Virginia, Tennessee, Mississippi, Delaware, and Minnesota.

• Limits: From state minimums up to $1,000,000

• Eligible vehicles: Class 1–6 vehicles used for commercial purposes

• Non-eligible: Class 7–8 units and for-hire transportation

• Driver requirements: Ages 25–67 with at least one year of driver experience

• New ventures welcome

Eligible Business Classes

The Business Auto Liability program is designed for companies that depend on light and medium commercial vehicles—not long-haul trucking or large fleets, but the local and regional businesses that keep communities moving. These operations need reliable, straightforward coverage for work vans, pickups, and Class 1–6 vehicles used in the field.

Construction & Trades

Tradespeople rely on their vehicles to move tools, materials, and crews to job sites. Eligible operations include:

• General contractors

• HVAC, plumbing, electrical

• Carpentry, roofing, remodeling

• And similar local or regional trades

Retail, Food & Consumer Services

Businesses with delivery needs or frequent service calls benefit from simple, accessible liability protection:

• Food delivery operations

• Furniture and appliance delivery

• Local retailers offering drop-off, installation, or in-home services

Professional & Service Industries

Many service providers spend their workday on the road, visiting clients, properties, or job sites. Eligible operations include:

• Janitorial and building maintenance

• Landscaping, lawn, garden, and tree service

• Real estate and home service professionals

• Healthcare and visiting nurse services

Transportation & Specialty Services (Non–For-Hire)

Local-use operators who need commercial auto liability but do not fit within trucking-focused programs:

• Courier and messenger services

• Disinfecting and pest control services

• Snow removal

• And similar non-for-hire operations

Note: Eligibility varies by business type and state, so please consult with your appointed agent to confirm whether your specific class of business qualifies.

Serving the Commercial Auto Market

The Business Auto Liability program reflects STAR Mutual RRG’s long-term strategy: to bring clarity, stability, and consistency to commercial auto insurance. STAR Mutual is investing in solutions built for everyday commercial drivers—the small businesses that form the core of local economies.

With underwriting designed specifically for various vehicles, STAR Mutual offers:

• Predictable rating and eligibility,

• A streamlined binding experience through the STAR Mutual platform,

• A direct relationship with appointed agents who value transparency and dependable workflows.

By expanding into Business Auto Liability, STAR Mutual RRG complements its existing transportation offerings and strengthens its role as a reliable partner for businesses seeking high-quality commercial auto insurance solutions.

How to Access the Program

Appointed agents now have full access to the Business Auto Liability program within the STAR Mutual platform. Coverage is available immediately in the active states listed above. Additional states are in development and will be added shortly; agents are encouraged to stay updated or contact us for the latest availability.

Commercial insurance agents interested in partnering with STAR Mutual RRG may request an appointment to gain access to the program and other transportation-focused offerings via our website.

Contact Information:

STAR Mutual RRG
Email: info@starrrg.com
Phone: (855) 569-7827