Cornerstone National Insurance

What Cornerstone National Insurance does

Cornerstone National Insurance Company was a private property and casualty insurance carrier founded in 1997 and headquartered in Columbia, Missouri. The company provided automotive and general insurance products to policyholders in five U.S. states — Oklahoma, Illinois, Missouri, Arkansas, and Indiana — operating under standard state insurance regulatory oversight. Its product set centered on personal property and casualty coverage, including combined policy arrangements such as the Forreston coverage referenced in its notices to policyholders. The company was incorporated in Missouri and maintained 51-100 employees during its operating phase.

As of March 1, 2026, the Circuit Court of Cole County, Missouri declared the company insolvent and ordered liquidation under Case 25AC-CC08521. All Cornerstone policies terminated no later than March 31, 2026. The company ceased active underwriting and policy distribution; remaining operations consist solely of run-off administration. Husch Blackwell LLP serves as the Cornerstone Special Deputy Receiver, managing claims processing, asset disposition, and distribution to creditors. Open policy claims are being transferred to the applicable state insurance guaranty associations (Oklahoma Insurance Guaranty Association, Illinois Insurance Guaranty Fund, Missouri Insurance Guaranty Association, Arkansas Insurance Department, and Indiana Insurance Guaranty Association). The Proof of Claim filing deadline is December 31, 2026, and an online Proof of Claim Form is hosted at form.cornerstonenational.com. The receivership contact address is 4801 Main Street, Suite 1000, Kansas City, MO 64112.

Name

Cornerstone National Insurance

Legal name

Cornerstone National Insurance Company

Website

https://cornerstonenational.com

Company type

Private

Founded year

1997

Operating status

Closed

Headcount range

51–100 employees

Short description

Cornerstone National Insurance Company was a private U.S. property and casualty insurer serving policyholders in Oklahoma, Illinois, Missouri, Arkansas, and Indiana, now in court-ordered liquidation as of March 1, 2026, with claims administered by Husch Blackwell LLP and state guaranty associations.

Ownership category

akta.pro rank

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Core offering

Cornerstone National Insurance Company was a private property and casualty insurance provider offering coverage to policyholders across five U.S. states (Oklahoma, Illinois, Missouri, Arkansas, and Indiana). Following a court-ordered liquidation effective March 1, 2026, the company no longer underwrites new policies; the corporate website now serves as a receivership portal for filing Proof of Claims by the December 31, 2026 deadline and for transferring open policy claims to the applicable state insurance guaranty associations.

Product overview

Cornerstone National Insurance Company is an insurance provider that has been placed into receivership and liquidation as of March 1, 2026. The company's operational offering consists of a single online Proof of Claim Form system used to process and collect claims from policyholders, claimants, and creditors during the court-ordered liquidation proceedings administered by Husch Blackwell LLP as the Special Deputy Receiver.

Differentiator

Problem solved

Functional benefit

Products and services

• Proof of Claim Online Submission Web-based form system used during the court-ordered liquidation to allow claimants, policyholders, attorneys, and creditors to electronically submit Proof of Claims against Cornerstone National Insurance Company. Supports document uploads (PDF, DOC, DOCX, XLS, XLSX, JPG, PNG; up to 5 files at 10MB each), captures claimant information, attorney details, policy data, claim class, claim narrative, and supporting documentation, with a filing deadline of December 31, 2026 (Case 25AC-CC08521, Circuit Court of Cole County, Missouri).
• Property and Casualty Insurance Policies Property and casualty insurance coverage historically offered to policyholders in Oklahoma, Illinois, Missouri, Arkansas, and Indiana. All policies were terminated no later than March 31, 2026 following the Circuit Court of Cole County, Missouri insolvency and liquidation order effective March 1, 2026; open policy claims are being transferred to the applicable state insurance guaranty associations.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• Oklahoma Insurance Guaranty Association (N.C.I.G.F.)coreOthersState insurance guaranty association handling transferred policy claims from Cornerstone National Insurance Company. Contact: (405) 843-5454. Covers claims in Oklahoma state.
• Illinois Insurance Guaranty Fund (IIGF)coreOthersState insurance guaranty fund handling transferred policy claims from Cornerstone National Insurance Company. Contact: (312) 422-9700. Covers claims in Illinois state.
• Missouri Insurance Guaranty Association (MOIGA)coreOthersState insurance guaranty association handling transferred policy claims from Cornerstone National Insurance Company. Contact: (573) 634-8455. Covers claims in Missouri state.
• Arkansas Insurance Department Guaranty AssociationcoreOthersState insurance guaranty association handling transferred policy claims from Cornerstone National Insurance Company. Contact: (800) 282-9134. Covers claims in Arkansas state.
• Indiana Insurance Guaranty Association (N.C.I.G.F.)coreOthersState insurance guaranty association handling transferred policy claims from Cornerstone National Insurance Company. Contact: (317) 636-8204. Covers claims in Indiana state.
• Husch Blackwell LLPcoreImplementation/ SI/ Consulting PartnerDesignated as Cornerstone Special Deputy Receiver handling the liquidation proceedings. Located at 4801 Main Street, Suite 1000, Kansas City, MO 64112. Managing the receivership administration including claims processing and asset liquidation.

Scale indicators1 record

Recent moves6 records

Expansion highlights1 record

Direct peers

• Shelter Insurance: Shelter Insurance is a Missouri-headquartered mutual insurer writing personal auto, home, life, and commercial coverage across the Midwest and South Central US. It is a direct comparable because it operates as a regional P&C carrier with strong Missouri/Arkansas/Oklahoma presence — exactly Cornerstone's footprint — distributing through a similar independent-agent model.
• EMC Insurance Companies: EMC Insurance (Employers Mutual Casualty Group) is an Iowa-based regional P&C group writing commercial and personal lines across the Midwest. Comparable because it is a similarly-sized regional P&C carrier writing through independent agents in many of the same Midwest states Cornerstone served.
• Erie Insurance: Erie Insurance is a Pennsylvania-based regional P&C carrier selling personal auto, homeowners, and commercial coverage through independent agents across the Midwest, Mid-Atlantic, and Southeast. Comparable because it operates as a regional P&C insurer with multi-state Midwest/South Central reach similar to Cornerstone's.
• Auto-Owners Insurance: Auto-Owners Insurance is a Midwest-based mutual P&C group writing personal and commercial lines across 26 states, with deep concentration in the Midwest. Comparable because it underwrites auto and property-casualty products in the same geographic corridor as Cornerstone via independent agents.
• Cincinnati Financial: Cincinnati Financial is an Ohio-based P&C holding company writing commercial, personal, and excess-and-surplus lines primarily across the Midwest and Southeast. Comparable because it serves many of the same states (Indiana, Illinois, Missouri) and uses an independent-agent distribution model similar to Cornerstone's.
• Hanover Insurance Group: Hanover Insurance Group is a regional P&C holding company writing commercial and personal lines across the Midwest, Northeast, and Southeast. Comparable because it occupies a similar regional P&C niche with multi-state Midwest/South Central operations distributed through independent agents.

Broad incumbents

• Progressive: Progressive is the third-largest US auto insurer and a leading commercial auto writer. Comparable because it focuses on personal and commercial auto — Cornerstone's primary product category — though it operates nationally with substantially greater scale and direct-to-consumer distribution.
• State Farm: State Farm is the largest US personal lines insurer, primarily writing auto and homeowners through captive agents nationwide. Comparable because it is the dominant auto and personal P&C carrier in Cornerstone's operating states, though at vastly greater scale as a national mutual.
• Travelers: Travelers is one of the largest US P&C insurers, offering personal and commercial coverage nationally. Comparable because it writes auto, homeowners, and commercial P&C products in all of Cornerstone's operating states, but at substantially greater scale, capital, and geographic diversification.
• Allstate: Allstate is a major US personal lines insurer and the second-largest auto writer nationally. Comparable because it underwrites the same auto and personal P&C products Cornerstone offered, but as a national incumbent with materially greater scale, capital, and brand recognition.

Market position

Weaknesses3 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• Xx.com/CornerstoneNat1

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cornerstone National Insurance