The product facts behind the view.
- Starr’s construction offering separates primary/excess construction, casualty wrap-ups, builders risk, contractor pollution and site pollution. [1]
- Its risk-management casualty page describes GL, commercial auto and workers compensation, including deductible, SIR and alternative structures. [2]
- The same casualty page describes supported lead and excess offerings and publishes minimum-premium screens for that product. [2]
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A contractor is considering a wrap-up
Which parties, work and completed-operations periods would be enrolled, and which liabilities remain outside it?
A casualty quote includes a substantial SIR
Who manages claims and funds defense within the retention, and what collateral or aggregate protection is required?
Excavation exposes historic site contamination
Is the intended protection contractor pollution, site pollution or both, and how do the proposed triggers differ?
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Identify annual practice, a project-specific program, wrap-up, builders risk or environmental requirements separately.
- Provide the full loss history, current program, desired retention, financial information and any collateral arrangement.
- For construction, include project values, contract allocation of insurance, subcontractor controls and pollution-related work.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Starr Indemnity & Liability Company [3]
US insurance company identified in Starr’s statutory notice
Domicile or place of incorporation: Texas
- NAIC
- 38318
Starr Surplus Lines Insurance Company [3]
US surplus lines insurance company
Domicile or place of incorporation: Texas
- NAIC
- 13604
Starr Specialty Insurance Company [3]
US insurance company identified in Starr’s statutory notice
Domicile or place of incorporation: Texas
- NAIC
- 16109
Starr is a marketing name. Its legal notice identifies several insurers and cautions that companies and coverages differ by jurisdiction; the proposal must name the actual carrier. [3]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Starr?
Choose “Get a quote with Starr” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Starr?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Starr.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Starr construction insurance capabilities ↗Checked November 1, 2026
- Starr risk-management general casualty ↗Checked November 1, 2026
- Starr legal notice and statutory insurer information ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
Retained risk can be central to the proposition.
Starr’s risk-management casualty page lists guaranteed cost, deductibles and SIRs, with alternative structures such as captives and fronted policies. [2]
Compare the insured’s funding, collateral and claims responsibilities as well as premium. An arrangement with retained risk should not be evaluated as if it were a simple first-dollar liability policy.
Construction covers several different insured interests.
Starr lists builders risk, casualty wrap-ups, primary/excess construction and contractor/site pollution as separate construction capabilities. [1]
Map the owner’s project property, contractor operations and pollution exposure separately. A wrap-up may change which parties and phases are insured, so the contracts and completed-operations requirement belong in the opening submission.
Published minimums make a useful first screen.
The risk-management page lists a $1 million minimum premium for standalone guaranteed-cost workers compensation and $250,000 per line for combined primary lines. [2]
Use the current threshold to establish whether this particular product fits before preparing a large submission. It is not a price estimate and should not be applied to unrelated Starr lines or programs.