As a Keystone Mutual policyholder you get More Than Insurance...

Keystone also provides all policyholders the following benefits:

• Unlimited, Free Legal Advice
• Keystone Capital™
• Choice of defense counsel
• Consent to Settle Plus®
• RenuXpress®- expedited renewal process
• Backing by A+ Rated reinsurers
• Peer Review of Claims
• Medical Board Investigations
• Insuring select specialties

To get more details on these benefits, click here.

All Keystone claims are reviewed by internal review panels that include at least one physician practicing in Missouri.

Keystone Mutual is the only Missouri Mutual to be reinsured; our policies are backed by more than $36 billion in reinsurance by A+ rated Lloyd's of London and other outstanding reinsurers.

Keystone Mutual insures only select specialties.

Through internal proprietary analysis, Keystone Mutual has identified 12 select specialties that ensure that the rates for all policyholders can be kept low. Most are generally considered low-risk specialties; we are the only Missouri-based medical malpractice insurer to focus on a limited number of select specialties.

Contact Keystone today to see if your specialty is one or the selected groups.

Keystone Mutual Policies Earn Cash for Retirement

Keystone Mutual is the first Missouri-based medical professional liability insurance company to provide cash rewards to loyal policyholders in good standing upon retirement, death or disability. The Keystone Capital™ program is available to Missouri physicians and certain allied healthcare providers.

What is Keystone Capital?

A member savings program offered by Keystone Mutual, Keystone Capital™ allows the Board of Directors to set aside a certain amount for each policyholder as a percentage of their premium. So long as they remain with Keystone Mutual and have not had a claim, they will be awarded this amount upon their retirement.

"Keystone Capital™ is an idea whose time has come," said James R. Bowlin, Keystone's founder and chief executive officer. "There may be two or three companies in the entire United States that offer policyholders this extraordinary advantage. Keystone is one of them."

Keystone offers unsurpassed benefits to our policyholders, including:

• Free, unlimited legal advice on risk management and minimizing liability

  Unlimited, Free Legal Advice
  Policyholders are encouraged to contact Keystone Mutual should they have a risk management issue; this resource is available 24/7. We at Keystone are confident that offering this service to our policyholders is the best way to mitigate risk - addressing risks proactively before they become an issue, thereby maintaining lower premiums for our clients.

• Keystone Capital™ - member savings program

  Keystone Mutual Policies Earn Cash for Retirement
  
  Keystone Mutual is the first Missouri-based medical professional liability insurance company to provide cash rewards to loyal policyholders in good standing upon retirement, death or disability. The Keystone Capital™ program is available to Missouri physicians and certain Allied healthcare providers.
  
  What is Keystone Capital?
  
  A member savings program offered by Keystone Mutual, Keystone Capital™ allows the Board of Directors to set aside a certain amount for each policyholder as a percentage of their premium. So long as they remain with Keystone Mutual and have not had a claim, they will be awarded this amount upon their retirement.
  
  "Keystone Capital™ is an idea whose time has come," said Jim Bowlin, Keystone's founder and chief executive officer. "There may be two or three companies in the entire United States that offer policyholders this extraordinary advantage. Keystone is one of them."

• Choice of defense counsel

  Keystone Mutual has thoroughly researched all Missouri medical malpractice defense counsel and identified several that are the best. All policyholders are able to meet their counsel and select their representation rather than counsel being dictated to them.

• Consent to Settle Plus® with extended appeal option

  Consent to Settle Plus®
  Nearly all insurance companies offering malpractice coverage offer some form of consent to settle - meaning that the physician must consent before the case is settled. However, Keystone Mutual takes this two steps further with double layers of due process.
  
  If Keystone's claims staff feels that a claim should be settled, the policyholder may appeal that decision to the Claims Committee. The Committee is comprised of three members including two physician peer members. If the Claims Committee disagrees with claims staff, Keystone will not ask for settlement consent. If the Claims Committee does agree, the physician has a second opportunity to appeal to the Appellate Committee, which is again comprised of three members including two physician peer members. Only after both Committees agree that a claim should be settled will we ask the policyholder for consent to settle.

• RenuXpress®-expedited renewal process

  Most ordinary companies insist that policyholders laboriously complete page-after-page, line-after-line, of practice information that rarely changes. At Keystone Mutual, we value your time and have developed an innovative, one-step, renewal program called RenuXpress™. Keystone renewals have been streamlined -- the main component is your signature and notations. A burdensome renewal process that formerly required hours to complete now takes minutes.

• Backed by three A+ Rated reinsurers

  Keystone Mutual is backed by $36 billion in reinsurance. Keystone is the only Missouri mutual to be backed by any true reinsurance, much less by three reinsurers with A+ ratings.

• Automatic Coverage for Medical Board investigations

  Keystone Mutual provides coverage for the defense of medical board investigations as part of our policyholder premium; there is no additional cost.

• Insuring select specialties

  Keystone Mutual insures only select specialties identified through internal proprietary analysis to ensure that all policyholder's premiums are low.

Click on the above benefits to see how Keystone Mutual offers More than Insurance®.

All Keystone claims are reviewed by internal review panels that include at least two physicians practicing in Missouri.

Keystone Mutual is the only Missouri Mutual to be reinsured; our policies are backed by more than $36 billion in reinsurance by A+ rated Lloyd's of London and other outstanding reinsurers.