Stonetrust Commercial Insurance Company filed its inaugural Workers’ Compensation rate program in North Carolina, effective January 2026. The filing introduces company-specific rates, rules, and payment plans based on NCRB loss costs effective April 2025, applying a Loss Cost Multiplier of 1.38 and a $200 expense constant.

Targeting preferred businesses with strong safety records, the filing establishes a 0.8% underwriting profit load and adopts a schedule rating plan. Stonetrust, already active in 12 states, plans to automatically follow future NCRB loss costs and forms. Minimum weekly payroll for executive officers is set at $1,200, with a $2,400 maximum.

Stonetrust is a Nebraska-based workers’ compensation and employers’ liability insurer operating in Alabama, Arkansas, Georgia, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Nebraska, Tennessee, and Texas. It began as a self-insurance trust before becoming a stock insurance company.