Choose Keystone :: Keystone Mutual Insurance

Our policyholder benefits include:

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.”

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 who they want for their representation.

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 different 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.

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 policyholders.

RenuXpress^®

Keystone renewals have been streamlined — the main component is your signature and notations. We value your time and have developed an innovative, one-step, renewal program called RenuXpress^®. Experience a renewal process that now takes minutes to complete.

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