Why is Stillwater more expensive than standard carriers?

Higher than admitted market pricing for the same property, because Stillwater accepts risk those carriers decline. The right comparison is not Stillwater versus Travelers. The relevant comparison is Stillwater versus being placed on surplus lines (non-admitted, no guaranty fund) or having no coverage at all. In that comparison, Stillwater is usually the best available option and often delivers real value. We price you through three to five carriers before recommending Stillwater.