One Stop was an approved agent of Progressive Insurance Company, Castle Point, and Lloyds of London and authorized to write insurance policies underwritten by those carriers. One Stop specialized in offering liability and cargo insurance policies to independent truckers and small trucking companies for coverage of trucks, tractor-trailers, and heavy equipment.

The authorities said that because the premiums for this type of coverage often was expensive, when small trucking carriers could not afford the large lump sum payments for those premiums, One Stop would arrange to have the truckers or trucking companies finance the premiums through loans obtained from one of several finance companies with which One Stop worked. These finance companies included Pro Premium Finance Company, according to the government.

Prosecutors asserted that, beginning in or around July 2014, One Stop, on a monthly basis, created and submitted, via email or facsimile, over 300 false and fraudulent application packages to Pro Premium and other finance companies for funding. The documents in the package were prepared using the names of real companies as well as fictitious companies, which purportedly were true customers of One Stop.

The government said that the Starr brothers represented on the premium financing agreement that the purported customers had made the required down payment towards their premium when in fact they had not. Pro Premium would approve the financing for these loans and the Starr brothers, in keeping with their practice, would write checks to One Stop, deposit those checks into one or several of One Stop's bank accounts, and then use those funds for personal gain, according to the government.

In August 2015, both Starr brothers fled the country when the fraud was about to be discovered and were apprehended in Colombia in 2018. The loss caused by the Starr brothers' conduct forced Pro Premium, which had been in operation since 1988, to close its doors, according to prosecutors.