STAR Mutual RRG

Technology-driven commercial auto liability powered by member alignment

Why We Partner with STAR Mutual RRG

STAR Mutual RRG is a Tennessee-domiciled Risk Retention Group (RRG) that offers commercial auto liability insurance to members of the Reliable Transportation Association (RTA). As a mutual (member-owned) liability insurer, STAR is structured to align closely with the needs of transportation businesses, with operations powered by advanced technology for fast, efficient service.

At a glance:

• Structure: Member-owned RRG under the Liability Risk Retention Act

• Founded: Circa 2014, following years of risk management and claims administration experience

• Domicile: Tennessee (Knoxville)

• Focus: Commercial auto liability for owner-operators, small to medium fleets

• Distribution: Through RTA-affiliated agents and appointed independent agents nationwide

Products We Can Place with STAR Mutual RRG

STAR specializes in monoline commercial auto liability, with available enhancements:

• Commercial Auto Liability – combines Bodily Injury and Property Damage protection for business vehicles

• Personal Injury Protection (PIP) – covers medical and related expenses for driver and passengers, regardless of fault

• Uninsured / Underinsured Motorist (UM/UIM) – optional liability coverage for underinsured at-fault parties

Business Vehicles & Classes Covered

STAR offers flexible coverage for a wide array of commercial vehicles:

Vehicles:

• Box trucks, cargo vans, pickup trucks, dry vans, flatbeds, semi-trucks, tow trucks, dump trucks, reefers, hotshot trucks, etc.

Business Classes:

• General freight, last-mile delivery, waste hauling, car hauling, hotshot trucking, expeditor services, refrigerated goods hauling, and more

Where Coverage Is Available

STAR Mutual is licensed in 40 states with plans to expand into additional territories. For specific availability, Insurox can confirm licensing and appetite by address during the quote process.

Claims & Customer Service

Headquarters & Contact

• Address: 123 Center Park Drive, Suite 234, Knoxville, TN 37922

• Phone: (855) 569-7827

• Email:

  • General inquiries: [email protected]

  • Agent inquiries: [email protected]

  • Claims inquiries: [email protected]

Claims submission tips:
Immediate reporting is encouraged—see policyholder notices for process and timelines.

Appetite Snapshot (Typical)

• Focused on owner-operators and small-to-medium fleets

• Ideal for transportation, delivery, logistics, and specialty hauling businesses

• Fast, bindable quoting with dynamic underwriting and technology-driven eligibility determination for 99% of accounts

Financial Strength & Stability

• Demotech Financial Stability Rating®: A (Exceptional), affirmed June 19, 2026

• A.M. Best Financial Strength Rating: Not Rated (NR) — ratings withdrawn June 26, 2026

• Reinsurance: Backed by “A+” (Superior) rated reinsurers

These ratings reflect STAR’s prudent underwriting, strong risk management, and member-centric focus.

Why Choose STAR Mutual RRG Through Insurox

• Fast, tech-enabled service: Instant quoting and modern underwriting tools expedite placement

• Member ownership model: Aligned incentives, with surplus and value directed back to insureds

• Industry expertise: A focus on safe, cost-conscious transportation operators

• Financial reliability: Strong independence ratings from Demotech and A.M. Best

• Expansion-friendly: Broad coverage across 40 states with growing availability

Why Buy Through Insurox

• Tailored local expertise: Insurox agents can match businesses and families with precise coverage.

• Seamless excellence: Combine independence with Insurox’s responsiveness.

• Simplified claims & billing: Insurox’s support expedites filing and payment, reducing hassle.

Get a Quote Today

No matter where you live, we can help.
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Legal Notice

This page is for informational purposes only and provided by Insurox. Coverage, underwriting, and availability depend on policy terms and state-specific approvals. The actual policy provisions govern all terms and conditions.