Star Casualty Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Star Casualty Insurance Company is a non‑standard personal auto carrier focused on writing private passenger automobile business through independent agents. Preferred / target business: - Non‑standard private passenger auto risks in select states, written via independent agencies. - Policies are sold exclusively through appointed independent agent partners; business is not written direct to consumer. Geographic appetite: - Active distribution noted in: Florida, Georgia, Arkansas, Tennessee, Nebraska, and Kentucky, where they sell policies through independent agent partners. - Historically concentrated in Florida non‑standard private passenger auto; current consumer‑facing FAQ still lists the six states above as active distribution territory. Product scope and risk profile: - Focus on non‑standard private passenger auto only; no indication of other personal or commercial lines. - Positions itself as a competitive market in non‑standard auto, with online rating and comparative rater presence for agents. Submission / agent & producer instructions: - Star Casualty uses an independent agent model; prospective agencies must complete a "New Agency Appointment Request" (Agency Appointment application) to be considered for appointment. - The Producer’s Agreement states that agents may solicit, quote, receive applications, bind coverage, and collect premiums only for products and classes specified in Star Casualty’s Underwriting Guidelines and only in the state(s) listed in the agreement. Agents must collect an acceptable down payment before binding, as defined in the Underwriting Guidelines. - Agents may not bind coverage on any class of risk or type of insurance not specified in Star’s Underwriting Guidelines, and may not backdate an effective date prior to receipt of the acceptable down payment and request for coverage. - Agents are prohibited (without Star’s prior written consent) from: adjusting claims; delegating binding authority to other agencies/brokers or sub‑agents; issuing FR filings, certificates, policies, endorsements, renewal or cancellation notices; disclosing underwriting guidelines to third parties; or using Star’s name in advertising. - Star retains the right to expand, restrict, or modify agent authority and to change Underwriting Guidelines upon written notice to the agent, specifying the effective date. Restricted / declined risks (operational notes): - Star’s filed or detailed underwriting manuals are not publicly posted; the Producer’s Agreement emphasizes that agents cannot bind risks outside the classes and states specifically allowed in the (non‑public) Underwriting Guidelines. In practice, this means any risk outside non‑standard private passenger auto in the approved states, or any class not permitted in the current guidelines, must be treated as declined or referred to underwriting for prior approval. Broker / producer operational notes: - Access to underwriting support is centralized through the Agency Support/Underwriting contact (dedicated email and fax listed on the official contact page). - Company stresses partnership with independent agencies, offering competitive commissions, bonus programs, online quoting tools, downloads, and bilingual agency support. - Because official, line‑by‑line underwriting criteria are not made public, producers should obtain and follow the latest internal Underwriting Guidelines provided after appointment and contact Agency Support/Underwriting for clarifications on eligibility, restricted classes, or geographic limitations before binding coverage. Publicly available information does not include detailed class‑by‑class underwriting appetite (e.g., specific driver or vehicle acceptability rules), so agents must rely on Star’s internal manuals and current bulletins for granular risk selection details.