Stonetrust Commercial Insurance Company Review

Learn about the insurance company’s history, products, and more.

Stonetrust Commercial Insurance Company at a Glance

  • Founded in 1993, 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 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, and Texas
  • Rated B++ (Good) by AM Best

Stonetrust pros: Stonetrust is entirely focused on workers’ compensation insurance and complementary employers liability insurance, making it an expert in the field. The company offers flexible payment options small minimum premiums, and competitive rates. Peripheral services include site visits and assessments by risk management specialists, and qualified and experienced claims management experts.

Stonetrust cons: Stonetrust has limited customer service hours and does not offer a 24-hour claims hotline. The company’s AM Best rating needs improvement, and it is not rated by the Better Business Bureau. Customer satisfaction reviews are hard to find, however, agents report an excellent working relationship with the carrier.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What Type of Insurance Does Stonetrust Offer?

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

  • Nebraska
  • Louisiana
  • Arkansas
  • Mississippi
  • Oklahoma
  • Missouri
  • Tennessee
  • Texas

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

What to Know about Stonetrust

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, 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.

On April 11, 2019, AM Best affirmed the company’s financial strength rating of B++ (Good).

The company claims to be making “great strides toward our vision of achieving ‘A’ rated status with AM Best.” It plans to expand into the Midwest and considers itself “well-positioned for additional rating upgrade consideration in the near future.”

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.

  • Phone contact or online fillable form
  • Customer service has the following hours restrictions


Hours (EST)


Monday-Friday 8:00 am - 5:00 pm

Stonetrust FAQ

What is Stonetrust’s average claim response time frame?

Stonetrust does not publish an average claim response time frame.

What is Stonetrusts’s customer service availability?

Stonetrust offers customer service by phone, Monday through Friday, 8:00 am to 5:00 pm. Customers can also fill out an online fillable form to request service.

What is Stonetrust’s claims process?

Stonetrust policyholders can report claims online or by phone.

The company provides downloadable First Report of Injury/Illness forms online. Upon receipt of your claim, Stonetrust will file the appropriate documents with the proper regulatory authorities in your state.

Does Stonetrust create a user-friendly experience for customers?

The Stonetrust company website is very simple and easy to navigate. It does not provide a lot of information for employers or employees, but there is enough information for policyholders to know how to file a claim. The website also offers numerous safety and loss prevention resources (posters, videos, chats, articles, and required workplace postings).

Does Stonetrust have good workers’ compensation insurance?

Stonetrust is a regional carrier of workers’ compensation insurance. It prides itself on personal service and attention that is above and beyond the norm. The company does not publish details about its specific policies, but it does offer flexible payment options, small minimum premiums, and competitive rates.

Is Stonetrust a good insurance company?

Stonetrust is a regional workers' comp carrier that specializes in personal service. We could not find many customer satisfaction reviews, so their success in this area is hard to evaluate. The company promises to focus on improving its AM Best rating in order to provide more confidence in its financial strength and stability.

Stonetrust Customer Reviews

Birdeye
“Great company to work with. Fair in every aspect of their business dealings. Wonderful people and company. Highly recommend.”
Birdeye
“Stonetrust Insurance Company is professional and easy to work with and they have really competitive premiums.”
Birdeye
“I called to get a quote and never heard back.”

TrustedChoice.com's Final Review

We award Stonetrust a final rating of 2.5 out of 5 stars. Its B++ rating from AM Best might immediately make prospective customers worry about its financial stability, although the company is committed to positioning itself for growth and a higher rating in the near future.

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.

You can also use our insurance company directory to find the best insurance companies to meet your needs. The directory can help you locate companies that specialize in your specific coverage needs and help you connect to an agent near you.

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