B
Stonetrust Commercial Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Strong long-term capitalization index (7.7 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.5) that helps to protect the company against sharp claims increases. Excellent profitability index (7.9).
Other Rating Factors: Excellent liquidity (8.0) with ample operational cash flow and liquid investments. Fair overall results on stability tests (4.1) including weak results on operational trends.
Stability Factors: R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (100.0%)
Licensed in: AL, AR, GA, IA, IN, KS, KY, LA, MO, MS, NC, NE, OK, SC, SD, TN, TX, WV
Principal Investments: Common stock (44.9%), investment grade bonds (18.6%), non investment grade bonds (7.6%), cash (5.6%), other (23.3%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Chou Associates Management Inc
Investment Rating
--
Company Address
5615 Corporate Boulevard
Baton Rouge, LA 70808
Phone Number
(225) 923-1050
NAIC Number
11042
Largest Affiliates