Local Louisiana Stonetrust Insurance Agents

Covington & Slidell Independent Insurance Agents

Hiring a framing crew in Covington or adding a second shift at a Slidell fab shop raises a fair question: who should write your workers comp? Stonetrust Insurance, a Baton Rouge carrier built around Louisiana workers compensation, is one carrier worth a look. It typically offers hands-on loss control and local claims handling. An independent agency can compare it against other markets for your contractors and crews.


That short answer leaves out a lot, though. A carrier that fits a 40-person electrical contractor may be a poor match for a three-person landscaping outfit, and the gap often shows up only after a claim. Many St. Tammany Parish business owners pick a workers comp policy based on the first quote they get. Then they learn their carrier handles claims from an out-of-state call center, or never sends a safety consultant to a jobsite.


This guide to local Louisiana Stonetrust insurance agents and coverage covers what the carrier tends to write, how its safety services can affect your premium over time, and where it stands against national competitors. It also explains how an independent agency weighs those factors for contractors and other trades. Some of it is about the carrier itself. Much of it is about the questions you should ask before signing anything.

Stonetrust Insurance: A Louisiana-Rooted Workers Comp Specialist

Stonetrust is a Baton Rouge-based insurance carrier that specializes in workers compensation for local businesses. It concentrates on one line of coverage instead of dozens. It typically pairs that focus with specialized loss control services and claims handling designed around Louisiana employers, which can make it a strong option for many trades and industries.


The company began as a regional fund and has since grown into a multi-state carrier. It currently writes coverage in 14 states, and it expanded operations into North and South Carolina in January 2026. Louisiana remains its home base, and that matters. Adjusters and safety staff who know Louisiana's workers comp statutes, medical fee rules and local job conditions can make a difference when a claim gets complicated.


Financial stability counts too, because a workers comp policy is a promise that may stretch years into the future on a serious injury claim. Stonetrust holds an "A" (Excellent) Financial Strength Rating with a Stable Outlook from AM Best. The carrier also reported total net income of $16.4 million for its 2025 fiscal year. As of early 2026, its surplus reached $166.1 million, with total assets of $278.8 million. Those figures don't guarantee a smooth claim, but they show a carrier with real capacity behind its policies.

By: Kyle Beerbohm
President

Aubert Insurance Agency is a local, independent agency, licensed to serve individuals and businesses across Louisiana, Mississippi, Florida and Texas.

We serve clients from our offices in Covington and Slidell and throughout St. Tammany Parish — working with dozens of carriers and wholesale markets to help homeowners, drivers, contractors, restaurant owners, property investors, auto shops, professional practices and many other personal and commercial clients find coverage that fits.

Licensed in Louisiana #3661 · Mississippi #15039075 · Florida #W0772236 · Texas #2381820

Industry Classes Typically Favored by Stonetrust

Every carrier has an appetite, meaning the types of businesses it wants to insure and the ones it would rather avoid. Stonetrust's favored classes typically include construction, manufacturing, wholesale, retail, and various service-related businesses. For Northshore employers, that covers a big share of the local economy.


Here's how that appetite may show up for common St. Tammany Parish operations:


  • Construction: General contractors, carpenters, electricians, plumbers and HVAC installers working residential and light commercial jobs between Mandeville and Slidell.
  • Manufacturing: Small fabrication, millwork and machine shops where lifting, cutting tools and repetitive motion drive claim frequency.
  • Wholesale and distribution: Warehouses with forklift traffic, loading docks and delivery drivers.
  • Retail: Hardware stores, garden centers and specialty shops with stocking injuries and slip-and-fall exposures.
  • Service businesses: Janitorial, landscaping and similar trades with crews moving between sites.


Appetite isn't a guarantee. A roofing contractor with a rough loss history may get a different reception than a clean electrical contractor, even though both fall under construction. Your class codes, payroll accuracy and claim history all shape whether a carrier quotes you and at what price. One common mistake we see is a business classified under the wrong code for years, paying a rate built for riskier work than it actually does.

With no lender to satisfy, the decision is yours, and so is the entire loss. A total rebuild in this parish runs well into six figures.

Homeowners who own outright

Your lender requires coverage at least equal to the loan, and will buy a policy on your behalf at your expense if yours lapses.

Homeowners with a mortgage

Accounting firms hold Social Security numbers, bank details, and tax records, which makes them prime targets. One industry observer put it bluntly: for most CPA firms, cyber insurance is no longer optional, and failing to meet MFA and EDR requirements can result in denied claims or total exclusion from the market. Translation: carriers now want multi-factor authentication and endpoint detection software in place before they will write you, and they may check after a claim. A cyber policy may cover breach notification, forensic investigation, ransomware response, and lawsuits from affected clients.

Cyber Liability

The Role of Loss Control Services in Reducing Costs

Loss control is the part of a workers comp policy most business owners ignore, and it may be the part that saves them the most money. Stonetrust typically provides safety resources and site visits aimed at preventing accidents before they become claims. That might mean a consultant walking your shop floor, reviewing your trench safety practices, or helping you build a written safety program your foremen actually follow.


This matters because of your experience modification factor, or mod. The mod compares your claim history to other businesses in your class. A mod above 1.0 raises your premium, and a mod below 1.0 lowers it. Fewer and less severe injuries over a three-year window may pull that number down. Some general contractors on larger Louisiana projects also screen subcontractors by mod, so a high one can cost you bids as well as premium dollars.


Claim costs add up fast under Louisiana's benefit structure. Effective September 1, 2026, the state's maximum weekly compensation rate is $903.00 and the minimum is $241.00. Injured workers can also be reimbursed for travel to medical care at $0.725 per mile as of January 1, 2026. A single back injury on a framing crew can mean months of wage benefits plus medical bills, and every dollar paid feeds into your future mod.


The practical takeaway: when your carrier offers a safety visit, schedule it. Treat it as free consulting rather than an inspection to dread.

The roof

Age, material and shape drive the wind rate more than any other factor. A fortified roof designation opens markets that would otherwise decline the house.

Comparing Stonetrust with Other Louisiana Carriers

Neither a regional specialist nor a big national carrier is automatically the right pick. They serve different needs, and the tradeoffs are clearer side by side. The table below shows general tendencies, not guarantees, since individual policies and service teams vary.

Factor Specialized Regional Carrier (like Stonetrust) General National Carrier
Product focus Workers comp is the core business Workers comp is one of many lines
Claims handling Typically local adjusters familiar with Louisiana law Often centralized, may be out of state
Safety services Site visits and tailored safety help may be included Varies; often online resources or thresholds for visits
Industry appetite Typically focused on construction, manufacturing, wholesale, retail Broader appetite across many industries
Policy bundling Workers comp written separately May package with general liability, auto, property
Payroll size fit Often a good match for small to midsize employers May favor larger accounts for premium credits

The bundling row deserves a second look. A contractor who wants general liability, commercial auto and workers comp on one invoice may lean national. A contractor whose biggest cost driver is workers comp, and who wants a carrier that knows how a Louisiana claim moves through the system, may lean regional. Plenty of businesses end up splitting coverage: workers comp with a specialist and everything else elsewhere.

How Jones Act Exposure Differs From State Workers Comp

When Private Flood Is Worth Comparing

How an Independent Agency Evaluates Your Options

A captive agent can show you one company's price. An independent agency can show you several, and that changes the conversation. Aubert Insurance Agency has served Covington and Slidell since 1910. As an independent agency, it compares Stonetrust against other workers comp markets to find a carrier that fits your specific risk profile, not just the lowest number on a page.


That comparison typically looks at a few things:


  1. Class codes and payroll: Verifying your employees are coded correctly before any quote goes out, since errors here skew every price you see.
  2. Loss history and mod: Matching carriers that reward clean records, or finding markets willing to work with you if you've had a bad year.
  3. Service needs: Weighing whether you'd benefit from on-site safety help or just need a straightforward policy.
  4. Audit exposure: Explaining how year-end payroll audits work so a surprise bill doesn't land in March.
  5. Subcontractor rules: Reviewing how uninsured subs may get added to your payroll at audit, a frequent shock for contractors.


The educational piece matters as much as the price. A workers comp policy is a legally binding contract, and knowing what triggers an audit adjustment or how exclusions work keeps you from unpleasant surprises. Good guidance on local Louisiana Stonetrust insurance agents and competing carriers should leave you understanding your policy better, not just holding a cheaper-looking quote.

The roof

Age, material and shape drive the wind rate more than any other factor. A fortified roof designation opens markets that would otherwise decline the house.

Feature General Liability Professional Liability (E&O)
What it covers Physical injuries and property damage Mistakes, oversights, bad advice
Example claim Client slips in your lobby Missed tax deadline costs a client penalties
Included in a BOP? Usually yes Usually no
Who needs it Nearly every office with visitors Accountants, consultants, agencies giving advice
Policy trigger Usually occurrence-based Usually claims-made

Common Questions About Workers Comp in Louisiana

Do I need workers comp if I only have one employee? In Louisiana, most employers with even one employee are generally required to carry workers compensation. Some narrow exemptions exist, so confirm your situation with a licensed agent rather than assuming you're exempt.


How are workers comp rates calculated? Premium is typically based on your payroll, the class code rate for the work your employees do, and your experience mod. Payroll is estimated up front and adjusted at a year-end audit.


Does Stonetrust write coverage for small contractors? Stonetrust typically favors construction and related trades, and small to midsize contractors often fall within its appetite. Approval depends on your specific operations and loss history.


What happens if my subcontractor doesn't have coverage? At audit, your carrier may count an uninsured subcontractor's payments as your payroll and charge premium on it. Collecting certificates of insurance from every sub before they start work helps prevent this.


Can safety programs really lower my premium? Over time, they may. Fewer claims typically lead to a lower experience mod, which can reduce your premium at renewal.


How often should I review my workers comp policy? At least once a year before renewal, and any time you add a new type of work, hire significantly, or change job locations.

How Jones Act Exposure Differs From State Workers Comp

When Private Flood Is Worth Comparing

Making the Right Choice for Your Workforce

Stonetrust brings a Louisiana base, a strong financial rating and a typical focus on the trades that keep the Northshore running. For many contractors, manufacturers and retailers, that combination may be worth serious consideration. It still isn't the right fit for everyone, and the only way to know is to put it next to your other realistic options.


Before your next renewal, pull your current policy, your last audit and your loss runs. Sit down with a local specialist who can check your class codes, explain your mod, and compare what Stonetrust and other carriers would offer for your exact operation. Aubert Insurance Agency keeps that process simple: start online, let the team shop the markets, and pick the plan that suits your crew.


Your employees show up every day to build your business. Make sure the coverage behind them is just as dependable. Start a Quote today.

About the Author

Kyle Beerbohm

President

We've been independent since 1910, and four generations of local ownership have kept us that way. We're one of the oldest agencies in St. Tammany Parish and the fourth oldest business in the City of Covington. I treat that history as a responsibility rather than a plaque on the wall. My job is to keep us answering to the families and business owners who walk through our doors, and to keep serving this parish for another hundred years.

Louisiana Insurance Questions, Answered

Questions clients ask us

Short, plain answers to what people ask before they call. Anything else, phone the office and ask.

  • What does an independent insurance agency do?

    We represent you, not one insurance company. We gather your information once, then compare coverage and price across the carriers we hold contracts with. You get choices, and one agent handles the paperwork.

  • Which types of insurance does Aubert offer?

    We write 13 personal lines, including home, auto, flood, boat, and life. We write 15 commercial lines, including business owners policies, general liability, workers compensation, and commercial property.

  • Do I need flood insurance in St. Tammany Parish?

    Your homeowners policy excludes flood, and much of the Northshore has flooded outside mapped high-risk zones. Lenders require it inside those zones. We check your flood zone and quote NFIP and private options.

  • Which states are you licensed in?

    We hold licenses in Louisiana, Mississippi, Florida, and Texas. License numbers appear in the footer of every page on this site.

  • How do you find me a competitive rate?

    We take your details once and market them to the carriers and wholesale brokers that fit your risk. We compare the offers, explain the differences in coverage, and recommend the strongest fit.

  • How do I file a claim or request a certificate?

    Call the office or use the Client Center on this site. We report the claim, follow the adjuster, and send certificates of insurance to whoever needs them.

Personal Insurance in Louisiana

Coverage for your home, your vehicles, and your family

Thirteen personal lines sit under one roof. Start with the coverage you need most, and we price it across our markets.

Home Insurance

Protect your house, its contents, and your liability with a policy priced across many Louisiana homeowners carriers.

Car Insurance

Cover every driver and vehicle in your household, and compare limits and deductibles side by side before you buy.

Flood Insurance

Standard home policies exclude flood. We write NFIP and private flood coverage for St. Tammany Parish properties.

Umbrella Insurance

Add a layer of liability above your home and auto limits, so one serious claim never reaches your savings.

Boat Insurance

Cover your hull, motor, trailer, and liability on the lake, the river, and the Gulf, wherever you launch.



Life Insurance

Replace your income for the people who depend on it, with term and permanent options we quote across carriers.

Business Insurance in Louisiana

Coverage for the business you built

Fifteen commercial lines, written for the payrolls, fleets, and buildings that Louisiana carriers ask hard questions about.

Business Insurance by Industry

We protect hundreds of businesses of all shapes and sizes

We know the exposures, the contract language, and the markets that write these trades on the Northshore.

General Contractors

Builders risk, general liability, and comp for homebuilders and remodelers working across St. Tammany Parish.

Plumber Insurance

Plumbers, electricians, roofers, and painters get liability, tools, and auto coverage that satisfies job requirements.

Restaurants

Property, liquor liability, spoilage, and comp for kitchens, bars, and cafés, including Louisiana association programs.

5-Star Rated by St. Tammany Clients

What Our Clients Say

Neighbours, business owners, and families across Covington and Slidell tell the story better than we can.

Insurance Tips & Local News

Insurance tips for Louisiana homes and businesses

Practical reading on flood zones, hurricane deductibles, and the coverage questions local business owners raise.

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614 E. Boston St., Covington, LA 70433

58418 Tyler Drive, Slidell, LA 70461