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.