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Starr Indemnity & Liability Company - Gallagher Bassett: Denying Legitimate Defense Base Act Claims

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Starr Indemnity & Liability Company - Gallagher Bassett: Denying Legitimate Defense Base Act Claims

“When I seek out professional advice, I don’t want B.S. I want it straight up, with no double talk. I figure you do also. I always use plain English, with no sugarcoating, no B.S. lawyer talk, and no double talk - just old fashioned, unsweetened, unvarnished truth - just the way I want it.”
- Defense Base Act Lawyer Bill Turley


My Best Advice

Ok, here's my very best advice for you and your DBA case: Always tell the truth.

Nothing is more important with your Defense Base Act case, then telling the truth. The insurance companies lay tricks and traps for you, hoping that you will not be truthful or that you won't tell the whole truth. Honest folks with legitimate DBA claims fall for these tricks and traps all the time. 

You have to be up-front, honest, and truthful about everything. If a judge suspects you're not telling the truth, you will probably lose.

The trouble here is that telling the truth isn't enough. Even when you are trying to tell the truth, folks fall for the same old avoidable traps by the DBA insurance company.  This happens all the time. 

Which is why my second best advice is almost as - or even more so - important than my advice for you to always tell the truth. 

My Second Best Advice

Take the time to research your case. The more homework you do, the better for you and your case.

Order my Free book, Win Your Defense Base Act Case: The Ultimate Straight Talk Roadmap To The Medical Treatment and Money You and Your Family Deserve. It is full of useful information when it comes to your injury and the Defense Base Act System. I will tell you how to avoid the insurance company's tricks and traps.

Win Your Defense Base Act Case - Bill Turley

Don't believe me?

I don't blame you. I see all the crap that attorneys put out on the internet about the Defense Base Act. None of it is very helpful. I suggest you check out all the 5 STAR reviews of my book on Amazon Reviews.

You will see that my book will help you win your Defense Base Act Case. 

Need help right now?

Call us today at 619-304-1000 or you can fill out the contact form on this web page. 


In this article, I answer these questions and address the following issues regarding Starr Insurance, Gallagher Bassett and the Defense Base Act:

Why should I hire a DBA lawyer? 

Starr Insurance 

No B.S., No Lawyer double-talk

Using Gallagher Bassett to Deny Claims

Deny, Deny, Deny

Starr Indemnity  - a growing company

An inconvenient truth - get ready for the long-haul

There is bad stuff out there that can hurt you


Why should I hire a DBA lawyer? 

This is a really good question.

First of all, a good DBA lawyer knows the law and the procedure (the rules). This case is probably your first rodeo, so to speak. Even if it’s your second rodeo, you don’t want someone that is getting on the job training. You’re hiring someone that can see the field, so to speak. (Sorry, to mix metaphors here). 

Second, a good DBA lawyer doesn’t have the same emotional attachment to your case that you have. Folks almost always evaluate their cases based upon emotion, rather than logic and clear thinking. 

I strongly suggest that you check out this article on the Top 10 Defense Base Act questions. (Question No. 2, on the list, and be sure to check Out Questions No. 4 and 6, which are also about hiring a DBA lawyer).  

Starr Insurance 

According to their website, Starr Indemnity & Liability Company is one of the largest and fastest-growing insurance companies in the world. Based on what I am seeing in the Defense Base Act world for overseas private contractors, I believe it. More on this later.

No B.S., No Lawyer double-talk

Many of you know that my law firm has been the biggest DBA law firm on the west coast that represents overseas civilian contractors. According to industry insiders my firm has been one of the top two or three largest DBA law firms in the world. I talk to seriously injured contractors. The opinions expressed in this article, are just that - my opinions. However, they are based on what I am seeing. And I see a lot.

I am sure that the folks at Starr Indemnity and/or Gallagher Bassett won’t be too happy when they read this article.  But if you know anything about me, you know that I am known as being straightforward and blunt. In other words if you want smoke blown up your skirt, then I am not the right fit for you. But if you want to hear no B.S., no double-talk - then pull up a chair.

Using Gallagher Bassett to Deny Claims

Starr works with Gallagher Bassett as a partner “to facilitate a timely response to each incident. Starr’s own claims account executives also monitor the claim process from start to resolution...”

This is code for Starr uses Gallagher Bassett to timely deny claims. It is all about plausible deniability for DBA insurance companies. I would say that it is no different with Starr, but that wouldn’t be entirely accurate.

Deny, Deny, Deny

Starr is a relatively new player in Defense Base Act insurance. From what I see, Starr is about where the big players were 10 years ago. The mentality is to deny claims and then play hardball. The big players figured out that this strategy was going to cost them a lot of money in the long run. They figured out that trying to settle claims was cheaper in the long run than fighting a ton of claims and running up huge claims defense monies for adjusters, doctors, lawyers and the like and then still facing substantial exposure.

Starr hasn’t seemed to have gotten there yet. Not hardly. They are in the typical early stages of DBA claims management. That is, deny legitimate claims and then play hardball all the way.  

According to a recent article, Starr claims they “Offer a strong overlay of claims services and coverage.”  Based on what I see, the “strong overlay of claims services” is to deny claims.

Am I saying that Starr/ Gallagher Bassett deny all legitimate claims? Of course not. But what I am saying is that I see claims being denied left and right that are brought by straight-up, honest folks with legitimate injuries.

Starr Indemnity  - a growing company

According to the U.S. Department of Labor (and based on what I have seen in the real world) - in the last year (2018) - Starr was the third in number of DBA claims. Starr wasn’t even in the DBA coverage business until 2013 when Starr debuted at number six.

One thing is for certain, Starr is writing more and more DBA coverage. We expect to see them more and more.

It seems that they think they are going to make a lot of money writing Defense Base Act coverage. You know how insurance companies make money? Collecting insurance premiums and denying claims. Same as it ever was.

An inconvenient truth - get ready for the long-haul

The biggest problem with the DBA is that the insurance companies can deny your claim and it can take years to get your weekly disability benefits and/or medical treatment. They just slap out a LS-207 Notice of Controversion, and cut off your benefits willy-nilly.  

Not to suggest that we don’t get folks their benefits fairly quickly on some occasions where we gather the necessary evidence needed to process the claim. That happens.  

But what also happens is that the DBA insurance companies like Starr can take a hardball stance and then you might have to wait years to get your benefits. It happens. If you want fairy princess tales and to be told pretty bedtime stories, you aren’t going to get that here.

Instead, you need to hope for the best - but plan for the worst. You don’t want to be forced to settle your case for some chump change offer because you are desperate. That means that if you are receiving benefits, you should be squirreling money away for that day when you get cut off.  

And if you aren’t getting benefits, you need to be getting ready for the long-haul.

This is all especially true with Starr.  

There is bad stuff out there that can hurt you

The good thing about the internet is also the bad thing about the internet. You can easily find lawyers on the internet that are going to tell you that none of this is true. They are going to make promises to you, that they can’t deliver. My strong suggestion is that you ask them how many DBA cases they have handled.  

Instead, I strongly suggest that you get a free copy of my book - Win Your Defense Base Act Case. Before you talk to the adjuster, sign any forms that will wreck your case or even hire a lawyer. You and your family deserve to hear the truth first. Before you make a move that you will only regret later.


Need help right now?

Call us at 619-304-1000  - If you call after regular business hours, when you leave a message, be sure to repeat your name and telephone number twice, so we get it correctly. And be sure to indicate whether it's okay if we respond by text.
Text us at 858-281-8008 
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Or you can leave us a message on this web page.

This article isn't legal advice

These discussions and/or examples are not legal advice. All legal situations are different. These testimonials, endorsements, photos and/or discussions do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter, or your particular case/ situation. Every case is different. There are any number of reasons why DBA cases are not won and/or are not as successful as folks might have hoped for.
Just because we have gotten great results in so many other Defense Base Act cases, doesn't guarantee in particular result in other cases. Including, your DBA case. Every case is different.
William Turley
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“When I seek out professional advice, I don’t want B.S., I want it straight up. I figure you do also.”
Good day I have read your article an you are so right I was hit by a 17 wheeler blow out in June I was toll starr indemnity was the insurance company then they said Gallagher ballet now Gallagher ballet. Denid it and said contact Starr indemnity today my Lawyer have not said a word like they dont know anything I broke my ankle in two places with 6 screws and a plate. I so hurt that people would treat me so bad. Any advice?
Posted by Tangela Nash on September 20, 2016 at 03:38 AM

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