STAR Mutual RRG Expands Safety-Driven Discounts for Transportation Operators

Increased incentives now available for owner-operators and small fleets with established experience, strong safety practices, and favorable loss histories.

Philadelphia, PA — October 2, 2025

STAR Mutual Risk Retention Group (STAR Mutual RRG), a licensed insurer specializing in commercial auto liability, has announced enhancements to its discount program for owner-operators and small transportation companies. The initiative reinforces STAR Mutual’s long-standing commitment to safety by rewarding insureds who combine years of operational experience with disciplined safety practices and favorable loss histories.

The expanded program provides more competitive pricing for businesses that have been in operation for at least three years, maintain favorable loss ratios, and demonstrate safety-focused procedures across their fleets. Eligibility reflects STAR Mutual’s underwriting philosophy, which prioritizes operators that implement strong driver qualification standards, safety technology, and proactive risk management practices. These insureds now qualify for additional discounts, resulting in meaningful savings that reflect their stability and safety over the long term.

Available discounts include recognition for safe driving practices supported by qualified safety scores, tenure-based credits tied to CDL and operating history, and a dedicated military discount program for veteran business owners and drivers. STAR Mutual RRG also offers owner-operator discounts and incentives for those who choose to pay in full, ensuring that experienced and responsible operators see their risk management reflected in lower premiums.

These savings are layered on top of STAR Mutual RRG’s competitive and stable commercial auto liability rates, which are available across a wide range of transportation businesses. Coverage includes Auto Liability limits up to $1.5 million, with Uninsured/Underinsured Motorist (UM/UIM) and Personal Injury Protection (PIP). High deductible options are available for large fleets, and both fleets and owner-operators are provided with state and federal filings along with dedicated claims support from transportation specialists.

Agents gain access to STAR Mutual RRG’s program through a digital portal that streamlines workflows with instant quoting, fast policy issuance, and electronic document delivery. By combining automation with underwriting rigor, the platform reduces administrative burden and enables agents to serve their clients with efficiency and accuracy.

STAR Mutual RRG provides tailored coverage for a wide range of vehicle and business classes, including semi-trucks, box trucks, pickups, cargo vans, dry vans, flatbeds, dump trucks, tow trucks, reefers, hotshot trucks, expeditors, waste haulers, and car carriers. Covered operations span general freight, refrigerated goods hauling, dirt, sand and gravel hauling, household goods moving, towing and recovery, garbage and trash removal, last-mile delivery, auto hauling, hotshot trucking, expeditor operations, machinery and equipment hauling, debris and waste removal, steel hauling, and limited logging exposures.

“Transportation companies that invest in safety deserve to see that commitment recognized,” said STAR Mutual RRG. “By expanding our discount program, we are strengthening our focus on stability and rewarding the operators whose practices contribute to safer roads, fewer claims, and stronger businesses.”

As part of its broader offering, STAR Mutual RRG works alongside Reliable Transportation Association (RTA), a managing general agent and Lloyd’s coverholder, which provides Auto Physical Damage coverage to STAR Mutual-appointed agents. Together, the organizations deliver complementary solutions designed to meet the evolving needs of transportation operators nationwide.

STAR Mutual RRG is a member-owned insurer rated “A” (Exceptional) by Demotech, Inc. and “B+” (Good) by A.M. Best, and 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.

Retail and wholesale agents are invited to apply for appointment and access STAR Mutual RRG’s programs at .

Contact:
STAR Mutual Risk Retention Group
Phone: +1 (855) 569-7827
Email: [email protected]
Website:

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