Welcome Members

Welcome to StarLight Insurance's Reciprocal Exchange! Here, we believe in the power of community and shared responsibility. As a member of our reciprocal exchange, you become part of a collective effort where policyholders share the risk of loss together. Your premiums contribute to a common fund, which is used to pay for claims. In return, you gain access to benefits and protections outlined in your policy, ensuring peace of mind for you and your loved ones. 

At StarLight Insurance, transparency and clarity are at the core of everything we do. When you sign a subscriber's agreement with us, you're entering into a mutual understanding of the terms and conditions of your insurance policy. This contractual document outlines the coverage provided, your premium payments, as well as the responsibilities and obligations of both parties. We believe in keeping you fully informed every step of the way, so you can make confident decisions about your insurance coverage. 

Your financial security is our top priority. That's why we carefully manage surplus contributions to ensure the stability and strength of our organization. Surplus contributions refer to the funds that exceed the amount needed to cover our liabilities and operational expenses. These surplus funds are retained by us to bolster our financial position, enhance solvency, and guarantee our ability to fulfill future claims. Rest assured, your surplus contributions play a crucial role in safeguarding your insurance coverage and providing you with the protection you deserve. 

At StarLight Insurance, we believe in empowering our members and ensuring their voices are heard in shaping our company's direction and governance. Our Subscribers' Advisory Committee (SAC) serves as a vital conduit between our members and the company's management, advocating for their interests and fostering transparency and communication throughout our organization. 

• Regular quarterly meetings with StarLight Insurance's management to provide advice and insights
• Offering guidance on initiatives related to claims, billing, and other matters to better serve our members
• Selecting auditors to ensure the integrity and transparency of our financial operations
• Providing feedback on new coverage ideas or claim enhancements
• Acting as champions for StarLight Insurance within their communities