Stonetrust Commercial Insurance Company
Stonetrust Commercial Insurance Company is a specialty workers' compensation and employers' liability carrier serving more than 5,000 policyholders across 14 states in the South and Midwest, distributed exclusively through independent insurance agencies and rated A (Excellent) by AM Best.
- Company typePrivate
- Founded1993
- HeadquartersBaton Rouge, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Stonetrust Commercial Insurance Company does
Stonetrust Commercial Insurance Company is a privately held, specialty workers' compensation insurance carrier headquartered in Baton Rouge, Louisiana (re-domesticated to Nebraska in August 2016), serving more than 5,000 employers across 14 states in the South and Midwest (licensed in 28 total). Founded in 1993 as LACE-SIF and converted to its current form in 2006, the company has been owned by Francis Chou through Wintaai Holdings since March 2018 and upgraded to an A (Excellent) AM Best financial strength rating in August 2025. The company writes statutory workers' compensation and employers' liability coverage across six primary verticals — construction, wholesale, retail, manufacturing, healthcare, and service-related businesses — and operates a wholly-owned preferred-tier subsidiary, Stonetrust Premier Casualty Insurance Company, launched in 2022.
Stonetrust's operations are powered by Insurity's Workers' Comp Suite (implemented December 2021), which provides integrated agent and policyholder portals, complemented by the Zywave Safety Connection Portal for training and resources, and InvoiceCloud for payment processing. Revenue is generated through statutory workers' compensation premiums, typically bundled with employers' liability, priced via risk-based underwriting against employer payroll, industry classification, and claims history. The company writes no direct-to-consumer business; all distribution flows through a network of appointed independent insurance agencies in each operating state, compensated on a commission basis (e.g., 25% on new South Carolina business in 2026). Stonetrust reports 2023 written premiums of $52.4M, 2024 net income of $13.1M, and 2025 net income of $16.4M against a surplus of $166.1M and total assets of $278.8M.
Stonetrust Commercial Insurance Company firmographics
Firmographics- Name
- Stonetrust Commercial Insurance Company
- Legal name
- Stonetrust Commercial Insurance Company
- Website
- https://stonetrustinsurance.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stonetrust Commercial Insurance Company is a specialty workers' compensation and employers' liability carrier serving more than 5,000 policyholders across 14 states in the South and Midwest, distributed exclusively through independent insurance agencies and rated A (Excellent) by AM Best.
- Ownership category
- akta.pro rank
Stonetrust Commercial Insurance Company industry classification
Industry- Product category
- Workers' Compensation Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Workers’ Compensation Insurance (FSAJAKAM)
- akta.pro secondary industry
- Employers Liability (Part B) (FSAJAEAC)
Keywords
Where Stonetrust Commercial Insurance Company is headquartered
LocationHeadquarters
- HQ city
- Baton Rouge
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stonetrust Commercial Insurance Company business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Workers' Compensation Insurance Premiums: Stonetrust generates revenue through statutory workers' compensation insurance premiums collected from policyholders. The company writes coverage for employers across construction, wholesale, retail, manufacturing, healthcare, and service-related industries. Premiums are ongoing and recurring as policies renew annually.
- Employers' Liability Insurance: Alongside workers' compensation coverage, the company provides employers' liability insurance, typically bundled with workers' comp policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Per transaction | Standard commission rate for independent agencies |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Stonetrust Commercial Insurance Company product offering
Product offeringCore offering
Stonetrust Commercial Insurance Company is a specialty workers' compensation and employers' liability insurance carrier serving mid-market employers across the U.S. South and Midwest. The company underwrites statutory workers' compensation coverage for construction, wholesale, retail, manufacturing, healthcare, and service-related businesses, and supports policies with claims management, safety consulting, and digital self-service portals. Coverage is delivered exclusively through a network of appointed independent insurance agencies.
Product overview
Stonetrust Commercial Insurance Company offers a single-product focused business model centered on statutory workers' compensation insurance. The company operates through its core Stonetrust Commercial Insurance Company brand alongside its preferred-tier subsidiary Stonetrust Premier Casualty Insurance Company. The product portfolio consists of the workers' compensation insurance core product supported by digital service portals including the Agent Portal (for independent agents to submit applications, quotes, and manage business), the Policyholder Portal (for policyholders to access documentation and manage accounts), and Safety Operations/Safety Connection Portal (for safety training, consulting, and resources). The company also provides claims management services and fraud reporting capabilities. All operations are delivered through a modern technology platform powered by Insurity's Workers' Comp Suite, with payments processed through InvoiceCloud.
Differentiator
Problem solved
Functional benefit
Products and services
- Workers' Compensation Insurance
Quantifiable outcome
- 5 consecutive years of positive income in every area of the business
- +3 more outcomes
Companies that use Stonetrust Commercial Insurance Company
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles2 records
Stonetrust Commercial Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Stonetrust Commercial Insurance Company partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- InsuritycoreStonetrust implemented Insurity's Workers' Comp Suite in December 2021 to streamline operations and improve response time. The new platform provides easy access to key information for policyholders (policy/claims documentation, payment management, account information) and agents (policy applications, quotes, book of business visibility, reporting tools). The implementation immediately improved overall efficiency and data access for underwriting.
- Rachel Kight (Underwriting Production Manager)minorRachel Kight serves as Underwriting Production Manager and is a key contact for agencies interested in establishing partnerships in Iowa and Georgia. Contact: (225) 201-8073, [email protected].
Scale indicators13 records
Recent moves20 records
Expansion highlights5 records
Stonetrust Commercial Insurance Company competitors and assessment
Company assessmentBroad incumbents
- The Hartford: Large national carrier offering workers' compensation as part of a broader commercial P&C and benefits portfolio. Competes with Stonetrust in the same agent channel but with multi-line advantages.
- Berkshire Hathaway Homestate Companies: Workers' compensation-focused subsidiaries of Berkshire Hathaway with multi-state operations. Comparable specialty WC focus but with significantly greater capital base and scale.
- AmTrust Financial Services: Large multi-line P&C insurer with a substantial workers' compensation business. Competes against Stonetrust via independent agents but offers broader product portfolios and greater scale.
Direct peers
- LWCC (Louisiana Workers' Compensation Corporation): Private workers' comp carrier in Louisiana, the same home state as Stonetrust. Direct peer in product, customer segment, and geography. Stonetrust CEO previously served as VP of Underwriting at LWCC.
- Zenith Insurance Company: Specialty workers' compensation carrier focused on mid-market and national accounts. Closely comparable product focus, underwriting approach, and distribution through independent agents.
- Builders Insurance Group: Specialty workers' comp carrier focused on the construction industry, one of Stonetrust's primary customer segments. Closely comparable niche specialization.
- Accident Fund Holdings: Workers' compensation carrier operating across multiple states with focus on specialty niches. Direct peer in product line, multi-state operations, and distribution via independent agents.
- Texas Mutual Insurance Company: Texas's largest workers' compensation carrier, a direct peer in the same specialty line. Stonetrust CEO Michael Dileo previously served as SVP of Claims at Texas Mutual, indicating direct talent and operational overlap.
- ICW Group Insurance Companies: Specialty workers' compensation carrier for small to mid-sized businesses across multiple states. Direct peer in target customer segment, product focus, and geographic expansion strategy.
- EMPLOYERS (EIG Services / AMERICAN FAMILY): Workers' compensation specialist serving small businesses across multiple states. Direct peer with similar product focus and similar emphasis on independent agent distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Stonetrust Commercial Insurance Company social profiles
Digital presenceStonetrust Commercial Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stonetrust Commercial Insurance Company leadership team
Management profileNumber of profiles
Profiles5 records
Stonetrust Commercial Insurance Company subsidiaries and ownership
Company hierarchySubsidiaries1 record
Stonetrust Commercial Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stonetrust Commercial Insurance Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stonetrust Commercial Insurance Company
What does Stonetrust Commercial Insurance Company do?
Stonetrust Commercial Insurance Company is a specialty workers' compensation and employers' liability insurance carrier serving mid-market employers across the U.S. South and Midwest. The company underwrites statutory workers' compensation coverage for construction, wholesale, retail, manufacturing, healthcare, and service-related businesses, and supports policies with claims management, safety consulting, and digital self-service portals. Coverage is delivered exclusively through a network of appointed independent insurance agencies.
Is Stonetrust Commercial Insurance Company a public or private company?
Stonetrust Commercial Insurance Company is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stonetrust Commercial Insurance Company founded?
Stonetrust Commercial Insurance Company was founded in 1993. It employs 11 to 50 people.
Where is Stonetrust Commercial Insurance Company based?
Stonetrust Commercial Insurance Company is headquartered in Baton Rouge, United States, in the North America region.
How does Stonetrust Commercial Insurance Company make money?
Two revenue lines are on record. Workers' Compensation Insurance Premiums are the primary driver. The others are employers' Liability Insurance.
Who are Stonetrust Commercial Insurance Company's main competitors?
Broad incumbents on record are The Hartford, Berkshire Hathaway Homestate Companies and AmTrust Financial Services. Direct peers are LWCC (Louisiana Workers' Compensation Corporation), Zenith Insurance Company, Builders Insurance Group, Accident Fund Holdings, Texas Mutual Insurance Company, ICW Group Insurance Companies and EMPLOYERS (EIG Services / AMERICAN FAMILY).
Does Stonetrust Commercial Insurance Company have an API?
No public API is recorded for Stonetrust Commercial Insurance Company.
What industry is Stonetrust Commercial Insurance Company in?
Stonetrust Commercial Insurance Company's product category is Workers' Compensation Insurance. Its primary akta.pro industry code is FSAJAKAM, Workers’ Compensation Insurance, with a secondary code of FSAJAEAC, Employers Liability (Part B). Its NAICS code is 524126 and its SIC code is 6331.