This year’s Stonetrust Annual Report provides an overview of the company’s performance in 2025. Stonetrust Commercial Insurance Company achieved exceptional financial success last year, continuing its strong trajectory despite ongoing competitive pressures in the workers’ compensation insurance environment. The company reported robust net underwriting and investment gains, resulting in total net income of $16.4 million for the year. Stonetrust’s surplus reached $166.1 million, while total assets finished at $278.8 million.

A major milestone in 2025 was Stonetrust’s AM Best rating upgrade to A (Excellent) with a Stable Outlook—a full grade improvement achieved in just three years since reaching A- status in 2022. This achievement reflects the company’s consistent underwriting profitability, surplus growth, and strengthened financial structure.

Stonetrust successfully expanded into North and South Carolina at the end of 2025, and preparations are already underway for the next phase of expansion in 2027. A key factor throughout the expansion process: maintaining disciplined underwriting standards in an extremely competitive market.

This year’s spotlight agency is Forth Insurance of Ruston, Louisiana. Originally known as the Lincoln Agency when contracted in 1993, Forth was one of the first agencies to sell workers’ compensation coverage for Stonetrust. Today, Forth stands as one of Stonetrust’s top producing agencies, exemplifying the enduring power of relationships built on trust and commitment.

Stonetrust’s continued success is built on the loyalty and commitment of its agency partners and employees. With strong momentum continuing into 2026, Stonetrust plans to accelerate its growth trajectory while staying true to its core priorities of steady profitability and strong relationships.