Stonewood Insurance Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current official guidance is published under Falls Lake Insurance, the admitted platform that includes Stonewood Insurance Company. For individual-risk Workers Compensation, business is distributed through appointed independent agents and is targeted to defined industry segments in southeastern and midwestern states. The carrier states it writes this Workers Compensation business through Stonewood Insurance Company and Falls Lake National Insurance Company and supports it with in-house underwriting, claims, and loss control. No public class-by-class appetite or explicit decline list was found on the verified official pages reviewed, so preferred business should be described operationally as segment-driven Workers Compensation that fits Falls Lake/Stonewood’s defined underwriting appetite and appointed-agent distribution model. Geographic note: the public page specifically references southeastern and midwestern states for this Workers Compensation offering, although the broader admitted platform says it is licensed more broadly in the U.S. Submission/broker requirements: submissions and portal activity are for appointed agents; agents seeking product, appetite, or appointment information are directed to contact marketing@fallslakeins.com. The agent portal allows application submission, insured lookup, and commission access. A portal error message notes the submitting producer must be appointed with Stonewood/Falls Lake National for the selected state. Operational servicing requirements relevant to producers/insureds include monthly payroll reporting through the insured portal, premium payment and claim reporting functions in the portal, and premium audit support. Audit documentation requested includes payroll ledgers, federal 941s, state quarterlies, W-2/W-3, 1099/1096 for subcontractors, certificates of insurance for subcontractors, job descriptions, and check stubs. Failure to cooperate with audit documentation can trigger a non-compliance audit, an additional 25% of estimated payroll, and cancellation of the current policy. Broker notes: competitive commissions and contingent commission opportunities are advertised for appointed agents; portal access can be requested online, and marketing can assist with access or visibility issues.