STAR Mutual RRG Rewards Safe Transportation Operations with Expanded Discount Program

Increased incentives now available for experienced owner-operators and small fleets with strong safety records and stable operations.

In commercial transportation, safety and reliability aren’t just operational goals—they’re the foundation of sustainable success. Companies that consistently invest in safe driving practices and disciplined operations tend to see fewer claims, lower downtime, and greater business resilience.

Strong safety practices and steady operational history now come with even greater rewards for small fleets and independent truckers. To recognize those efforts, STAR Mutual Risk Retention Group (STAR Mutual RRG) has expanded its discount program for owner-operators and small fleets across the states where it operates.

Recognizing the Value of Experience and Safety

The enhanced program reflects STAR Mutual RRG’s core underwriting philosophy: stability and proactive risk management should translate into measurable rewards.

Under the new structure, qualified operators can access expanded savings if they meet key performance and experience thresholds, including:

• Three or more years in business

• Favorable loss ratios and clean claims history

• Documented, safety-focused operational procedures

By directly linking premium savings to these benchmarks, STAR Mutual RRG reinforces its longstanding commitment to promoting safer roads and sustainable transportation carrier growth. 

The message is simple: the companies that invest in safety deserve to see that investment reflected in their insurance costs.

Expanded Discounts for Responsible Operators

The improved program introduces multiple opportunities for operators to qualify for additional savings:

1. Safe Driving Discounts – For insureds with qualified safety scores and clean MVRs

2. Tenure Discounts – Credits tied to CDL experience and operational history

3. Military Discounts – Available to veteran business owners and drivers

4. Owner-Operator Discounts – Tailored incentives for single-truck operators

5. Pay-in-Full Discounts – Additional savings for those who choose to pay premium balances upfront

Together, these options establish a structure where the safest and most stable carriers receive meaningful, long-term benefits for maintaining their standards.

Built on a Strong Coverage Foundation

The expanded discount program builds upon STAR Mutual RRG’s established commercial auto liability platform, which provides consistent protection and responsive service. Core features include:

• Auto Liability limits up to $1.5 million

• Uninsured/Underinsured Motorist (UM/UIM) and Personal Injury Protection (PIP)

• High-deductible options for large fleets

• State and federal filings to maintain compliance

• Dedicated claims support from transportation specialists

With this foundation, policyholders not only access stable rates but also benefit from coverage designed specifically for the realities of professional trucking and commercial transport.

Complementary Coverage through Reliable Transportation Association

In addition to commercial auto liability coverage, insureds can access Auto Physical Damage (APD) through STAR Mutual’s affiliate, Reliable Transportation Association (RTA)—a managing general agent and Lloyd’s coverholder.

This coverage includes protection against collision, theft, vandalism, fire, and weather-related events, all backed by the financial strength of Lloyd’s of London. Together, STAR Mutual RRG and RTA deliver a comprehensive insurance solution—pairing liability and physical damage protection to meet the evolving needs of transportation operators.

Technology and Service Built for Today’s Market

Behind the scenes, STAR Mutual RRG’s digital platform ensures that coverage doesn’t come at the cost of convenience. Agents appointed with STAR gain access to a modern portal offering:

• Instant quoting

• Same-day policy issuance

• Electronic document delivery

This system integrates automation with underwriting oversight, ensuring both speed and accuracy. By tying pricing directly to measurable factors such as safety scores and operating history, STAR Mutual RRG enables a transparent, data-driven environment that rewards safe operations and encourages continuous improvement across the industry.

Wide Range of Covered Vehicle and Business Classes

STAR Mutual RRG provides tailored liability coverage for a broad spectrum of transportation operations. Eligible vehicle classes include semi-trucks, box trucks, cargo vans, pickups, reefers, flatbeds, dump trucks, tow trucks, car carriers, hotshot units, and waste haulers.

The program covers a wide range of operational categories, including:

• General freight

• Refrigerated goods

• Dirt, sand, and gravel hauling

• Household goods moving

• Towing and recovery

• Garbage and debris removal

• Last-mile delivery

• Auto hauling and expediting

• Machinery and equipment transport

• Limited logging and steel hauling

By maintaining this disciplined yet inclusive appetite, STAR Mutual RRG ensures access to high-quality liability coverage while upholding underwriting integrity and long-term program stability.

A Step Toward Safer, Stronger Operations

The expansion of safety-based discounts marks another step in STAR Mutual RRG’s ongoing mission to strengthen safety and stability within the transportation sector.

For operators who have built their businesses on responsibility and diligence, the new savings serve as both recognition and reinforcement. As safety continues to drive better outcomes—fewer claims, reduced losses, and stronger profitability—these changes help ensure that responsible operators continue to lead the way.

STAR Mutual Risk Retention Group is a member-owned insurer rated “A” (Exceptional) by Demotech, Inc. and “B+” (Good) by A.M. Best, reinsured by carriers with “A+” (Superior) financial strength. Serving transportation companies across more than 40 states, STAR Mutual RRG combines underwriting discipline with modern digital tools to deliver reliable coverage and responsive claims expertise.

Contact Information:

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