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
Stonewood Insurance Services historically operated as a managing general agency/program administrator focused on non‑standard auto, often using carrier paper such as Integon/National General, Commerce West, and later Falls Lake/Stonewood Insurance Company. Publicly available, current underwriting guidance specific to "Stonewood Insurance Services" as an MGA is limited and largely embedded within carrier or program partner materials. As of 2023–2025, Stonewood’s workers’ compensation operations and many personnel have migrated under the Falls Lake/Amynta structure, with Stonewood Insurance Company now referenced primarily as a carrier entity within Falls Lake/Amynta program business, rather than an actively marketed standalone MGA brand. Based on current carrier and program information, practical guidance for brokers is as follows: 1. Preferred / target business - Workers’ Compensation (formerly Falls Lake/Stonewood WC, now Amynta Work Comp Solutions (AWCS)): defined industry segments in construction and light industrial accounts written on a guaranteed‑cost basis, historically concentrated in NC/VA and broader Southeast/Midwest for Falls Lake. WC appetite and pricing are now controlled by AWCS/Ascot; producers should treat Stonewood‑branded WC as legacy and follow AWCS/Ascot guidelines instead. - Personal Auto: non‑standard and standard private passenger auto written through MGAs such as Allstar in North Carolina, using Stonewood Insurance Company paper. Target risks include NC drivers needing standard or substandard coverage, including those with limited history, minor violations, or lapse in coverage. Program is suitable for high‑volume auto books and hard‑to‑place drivers but within normal non‑standard auto parameters (valid license, insurable vehicles, ability to verify garaging and prior history). ([cbinsights.com](https://www.cbinsights.com/company/stonewood-insurance-services?utm_source=openai)) - Commercial/Specialty Auto via MGAs: transportation‑oriented classes written through Stonewood programs administered by MGAs such as Jackson Sumner & Associates. Target segments include for‑hire truckers (tractors, trailers, trucks, dump and box trucks) and public auto/special types (taxis, limousines, daycare vans, cranes, and similar public‑auto/transport fleets), with Stonewood providing commercial auto liability/physical damage. ([jsausa.com](https://www.jsausa.com/site/quote-online/endorsement-request/stonewood-endorsement-request-form/?utm_source=openai)) 2. Restricted or declined classes (inferred from current program structures) - Personal Auto: accounts outside typical non‑standard parameters—e.g., severe violations or major convictions, uninsurable vehicles, unverifiable garaging, or fraud indicators—are commonly declined or referred to surplus/E&S solutions. Some admitted options may be available for better risks subject to carrier guidelines; heavily distressed risks or those ineligible for admitted options should be routed to non‑admitted E&S markets rather than Stonewood‑paper programs. ([completemarkets.com](https://completemarkets.com/company/allstar/north-carolina-personal-auto/?utm_source=openai)) - Commercial Auto: Stonewood transportation programs are structured program business; non‑transportation exposures, high‑hazard long‑haul trucking or heavy auto not fitting program parameters, and unusual or unprofitable fleets are generally outside appetite and likely declined or redirected to other MGAs/carriers. Public auto risks not fitting standard taxi/limo/daycare or crane/special‑type profiles may face additional underwriting scrutiny or be declined. ([jsausa.com](https://www.jsausa.com/site/quote-online/endorsement-request/stonewood-endorsement-request-form/?utm_source=openai)) - Workers’ Compensation: Stonewood‑branded WC is no longer an active target; new WC business should follow Amynta Work Comp Solutions/Ascot appetite. Risks falling outside AWCS’ construction/light‑industrial focus or outside their state footprint would typically be restricted. 3. Geographic notes - Workers’ Compensation: Stonewood Insurance Company is a North Carolina‑domiciled carrier licensed in multiple Southeast and selected Midwest states (including NC, SC, GA, TN, VA, LA, MS, KS, MO, AL) as part of Falls Lake Insurance. Legacy Stonewood WC programs focused primarily on residential construction and related classes in NC and VA, expanding via Falls Lake in other states. WC program operations have transitioned to Amynta Work Comp Solutions with Ascot as carrier partner, and brokers should follow AWCS’ current state map and not assume Stonewood WC filing availability for new business. ([bbb.org](https://www.bbb.org/us/nc/raleigh/profile/commercial-insurance-services/falls-lake-insurance-company-0593-90288811/addressId/117758?utm_source=openai)) - Personal Auto: the actively marketed personal auto program using Stonewood Insurance Company paper is currently documented only for North Carolina via Allstar Underwriters; it is not available outside NC through that program. ([completemarkets.com](https://completemarkets.com/company/allstar/north-carolina-personal-auto/?utm_source=openai)) - Commercial/Specialty Auto: Stonewood transportation programs administered by MGAs like Jackson Sumner & Associates are typically written in their standard regional footprint (primarily Southeast and nearby states). State availability and filings should be checked with the MGA; Stonewood‑paper transportation products are not clearly promoted as nationwide. 4. Submission and processing expectations - Agency access: Stonewood products today are accessed through appointed MGAs/program administrators (e.g., Allstar Underwriters for NC personal auto; Jackson Sumner & Associates for Stonewood transportation). Retail agents should not submit directly to Stonewood Insurance Company but instead use the appropriate MGA portal or forms. ([jsausa.com](https://www.jsausa.com/site/quote-online/endorsement-request/stonewood-endorsement-request-form/?utm_source=openai)) - Personal Auto submissions (NC – Allstar): submissions should be made through Allstar’s platform following their underwriting questionnaires and rating inputs for standard/non‑standard NC drivers. Allstar notes flexible underwriting for a range of personal auto risks but within defined guidelines and with some admitted options depending on risk quality. Expect to provide full driver, vehicle, and prior coverage/loss information. - Transportation/commercial auto submissions (Stonewood programs via JSA): endorsements and changes require Stonewood‑specific endorsement request forms for truckers and for public auto/special types. Forms must be fully completed with all questions answered; alternatively, an agency‑generated form is acceptable if it captures the same data points. Completed PDF forms are emailed or uploaded through the portal; e‑sign versions are transmitted automatically. Separate cargo or physical damage changes for the same insured can be included on the same endorsement request. Retail agents should expect JSA underwriting review and an acknowledgment upon receipt. New business submissions should mirror this data depth (vehicle schedules, driver lists, use, radius, gross receipts/miles, prior losses). ([jsausa.com](https://www.jsausa.com/site/quote-online/endorsement-request/stonewood-endorsement-request-form/?utm_source=openai)) - Claims: commercial policyholders insured on Stonewood paper are directed to a dedicated commercial claims number (e.g., 1‑866‑494‑1610) per agency partner materials, while personal auto claims follow the managing MGA or carrier instructions listed on the insured’s policy documents. ([standardins.com](https://www.standardins.com/emergency-numbers?utm_source=openai)) 5. Broker / producer notes - Appointment and appetite inquiries: for Stonewood‑paper workers’ compensation and other specialty admitted risks under Falls Lake, agents are directed to contact Falls Lake marketing for current product and appetite information or to use the Specialty Admitted page to reach the appropriate program contact. Since the WC segment has transitioned to Amynta Work Comp Solutions with Ascot, producers should reach out to AWCS or Falls Lake to clarify how legacy Stonewood WC accounts are handled and where to place new WC submissions. ([jrvrgroup.com](https://jrvrgroup.com/falls-lake-insurance?utm_source=openai)) - Program‑driven model: Stonewood Insurance Company now functions primarily as part of broader Falls Lake/Amynta program structures and as paper for MGA‑controlled programs rather than as a direct‑to‑retail underwriting shop. Retail producers must follow each MGA’s program‑specific underwriting rules, rating tools, and documentation requirements; Stonewood itself does not publish a standalone, public appetite guide. - Legacy materials: older documents labeled “Stonewood Insurance Services” (e.g., private passenger auto underwriting guides tied to Integon/National General circa 2012) are obsolete and should not be relied upon for current underwriting decisions. Always defer to the live MGA or Falls Lake/Amynta materials and confirm appetite and eligibility with the program underwriter before binding. ([pdffiller.com](https://www.pdffiller.com/354062539-Prime-GSP-Program-Guidepdf-Prime-Underwriting-Guide-Stonewood-Insurance-Services-?utm_source=openai)) Because Stonewood Insurance Services now operates mainly through carrier and program partners and because explicit, up‑to‑date underwriting manuals for the MGA brand are not published, retail agents should treat Stonewood as carrier paper behind MGAs, follow those MGAs’ current guidelines, and contact Falls Lake/Amynta or the relevant program administrator for any appetite or eligibility questions on new business or renewals.