The Kappa biochemistry and the MØD organic chemistry frameworks are amongst the most intensely developed applications of rewriting-based methods in the life sciences to date. A typical feature of these types of rewriting theories is the necessity to implement certain structural constraints on the objects to be rewritten (a protein is empirically found to have a certain signature of sites, a carbon atom can form at most four bonds, …). In this paper, we contribute a number of original developments that permit to implement a universal theory of continuous-time Markov chains (CTMCs) for stochastic rewriting systems. Our core mathematical concepts are a novel rule algebra construction for the relevant setting of rewriting rules with conditions, both in Double- and in Sesqui-Pushout semantics, augmented by a suitable stochastic mechanics formalism extension that permits to derive dynamical evolution equations for pattern-counting statistics. A second main contribution of our paper is a novel framework of restricted rewriting theories, which comprises a rule-algebra calculus under the restriction to so-called constraint-preserving completions of application conditions (for rules considered to act only upon objects of the underlying category satisfying a globally fixed set of structural constraints). This novel framework in turn renders a faithful encoding of bio- and organo-chemical rewriting in the sense of Kappa and MØD possible, which allows us to derive a rewriting-based formulation of reaction systems including a full-fledged CTMC semantics as instances of our universal CTMC framework. While offering an interesting new perspective and conceptual simplification of this semantics in the setting of Kappa, both the formal encoding and the CTMC semantics of organo-chemical reaction systems as motivated by the MØD framework are the first such results of their kind.