StarStone Insurance

StarStone is a workers’ compensation insurer providing coverage for a range of industries – from energy and maritime businesses to high hazard operations with the potential for severe injury. StarStone also covers cross-state, multi-jurisdictional exposures in a single policy.

Target Accounts

  • Non-Union and Union Construction Contractors
  • Acceptable Market Segments:
    • Contractors who pay prevailing wages and provide employee benefits package
    • State act workers’ compensation coverage

Available Programss

  • Guaranteed Cost
  • Retrospective Rated

Available Coverage

  • State Act Workers’ Compensation
  • U.S. Longshore and Harbor Workers’ Compensation, including all Federal Extensions
  • Maritime Employers Liability: $1,000,000 Limit

Restricted Classes (Do Not Submit)

  • Asbestos or Lead Abatement Contractors
  • Demolition Contractors
  • Employee Leasing/Temporary Agencies/PEO’s
  • Roofing
  • Scaffolding Contractors
  • Ship Breaking
  • Tree Pruning
  • Trucking – Long Haul (other than incidental)
  • Underground Mining

Minimum Premium: $200,000 EAP

  • Framing, Drywall, or Insulation Contractors can only be considered with a Minimum Premium of $500,000 and Loss Sensitive Rating

Submission Guidelines

  • ACORD Application
  • Supplemental Application (When Necessary)
  • Three Years of Loss Info (Preferably Five)
  • Modification Worksheet Preferred
  • Payroll History (By Class Code for Five Prior Years)
  • Complete Financial Information
  • Contact Information for Loss Control Pre-Survey (Required Prior to Binding)


Applicants must participate in a formal return to work program and medical provider network

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