Stonetrust Commercial Insurance Company Review 2026

InsuredBetter's Stonetrust Commercial Insurance Company Final Score

3 Stars

Stonetrust is a Nebraska domiciled insurance company providing workers’ compensation and employers liability insurance to more than 4,500 policyholders. Beginning as a workers’ compensation self-insurance trust, the company has evolved to become a stock insurance company licensed in 28 states and currently writing coverage in eight states including: Nebraska, Louisiana, Arkansas, Mississippi, Oklahoma, Missouri, Tennessee, Georgia, Iowa, Kansas, and Texas.

Stonetrust began in 1993 as a self-insurance fund. As the Louisiana workers’ compensation market stabilized, management and the board of directors sought ways to become more competitive and offer more products to member employers. In July 2000, the self-insurance fund converted into a mutual insurance company and changed its name to Amicus Mutual Insurance Company.

On January 1, 2006, the company converted into a stock insurance company and became known as Stonetrust Commercial Insurance Company. Effective January 1, 2018, Stonetrust was acquired by Ontario, Canada, based Wintaai Holdings Ltd., a wholly owned subsidiary of Chou Associates Management Inc.

Stonetrust provides statutory workers’ compensation insurance to employers large and small, with a concentration in construction, wholesale, retail, manufacturing, and other service-related businesses. The typical Stonetrust policyholder is a small to mid-sized company that places a priority on workplace safety and seeks a stable and secure insurer that works with it to achieve safety goals and keep its workers’ compensation premiums and claims costs down.

In August, 2026, AM Best upgraded the company’s financial strength rating to "A" (excellent). 

We award Stonetrust a final rating of 3.0 out of 5 stars. Its upgraded financial strength rating from AM Best confirms the company's committment to strengthening its position in the marketplace and continued expansion.  

The carrier is a regional provider of workers’ compensation insurance. The company is committed to offering personal service and reliable workers’ compensation insurance to its customers, and it also provides site visits and resources for improving employee safety.

Customer satisfaction reviews are hard to find, but those that we did find are largely positive. Prospective customers can likely be assured that the company’s purported commitment to personal service is real.

You can assess if Stonetrust is the right workers’ compensation insurance company for you by visiting its website or talking to a company representative. It's a good idea to ask a local independent insurance agent for help finding the best workers' compensation insurance carrier for your needs. 

Stonetrust Pros and Cons

Pros:	Cons:
Entirely focused on workers’ compensation insurance and complementary employers liability insurance, making it an expert in the field	Limited customer service hours and does not offer a 24-hour claims hotline
Offers flexible payment options, small minimum premiums, and competitive rates	Customer satisfaction reviews are hard to find, however, agents report an excellent working relationship with the carrier
Peripheral services include site visits and assessments by risk management specialists, and qualified and experienced claims management experts
Rated "A" (Excellent) by AM Best
Rated "A+" by the Better Business Bureau (BBB)

Stonetrust Products

Stonetrust is a regional carrier that offers workers’ compensation insurance and employers liability insurance in the following states:

To learn more about Stonetrust’s offerings in your state, visit the company website or contact a Stonetrust representative.

What Discounts Does Stonetrust Offer?

Stonetrust does not offer information about discounts or savings opportunities.

Stonetrust Customer Service

Employers and employees can contact Stonetrust in the following ways:

Stonetrust Commercial Insurance Company FAQs