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POLICYHOLDER BENEFITS

Surplus/Reinsurance

Our policyholders have peace of mind knowing we have a conservative premium-to-surplus ratio of 4:1, and more surplus than any other Missouri mutual. We are also the only medical professional liability insurer backed by $18.5 billion in reinsurance from Hannover Re for claims over $200K.

Keystone Capital®

A return of premium 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, they will be awarded this amount upon their retirement – sharing in the success of the Company.

Low Risk Specialties

We’re the only insurer that focuses on 12 lower risk medical specialties, determined through proprietary analysis. Our policyholders are part of an exclusive group insured with only other physicians like them – lower risk doctors from similar specialties with good underwriting histories. This gives you more security and rate stability.

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.

Cyber Liability/Medefense Coverage

Through our exclusive agency, Cogeris Insurance Group, we offer two key protections to give you more peace of mind. Comprehensive data security and privacy insurance covers you in the event of cyber threats and breaches – including extortion and multimedia liability. Medefense coverage protects you in the event of Medicare or Medicaid billing audits and investigations.

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 know 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.

Consent to Settle Plus®

Keystone Mutual takes Consent to Settle® further than any other insurer. Our policyholders may seek review of our request to settle, first to the Claims Committee. If the Claims Committee disagrees, Keystone will not ask for settlement consent. If the Claims Committee does agree, our policyholder can seek a second review from the Appellate Committee. Both Committees are comprised of different members, including physicians. Only after both Committees agree that a claim should be settled will we ask the policyholder for consent to settle.

Risk Management Articles

Improving your Medical Practice by learning from those in the Business of Insurance

How can Insurance help physicians improve their medical practice? Medical Malpractice Insurance is an essential component of a physician’s medical practice. It provides protection to the physician against legal liability from a claim by a patient of injury or death as a result of negligence. The State of Missouri defines Medical Malpractice insurance as follows: […]

Missouri Covid Law Update

Covid-19 has created numerous challenges to health care providers and their practices. Many practices had to change the manner in which they saw patients by limiting the number of patients on premises or seeing more patients via telemedicine. These precautions were taken to prevent the spread of Covid-19, but also out of concern for liability […]

Medical Record Retention in Missouri

What are the requirements for maintenance of medical records? How long must a physician maintain a medical record? Medical Records are an essential part of any medical practice and the delivery of medical care to patients. Medical records provide information necessary for the continuing care and treatment of patients. Accurate record keeping and maintenance can […]

More Articles »
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About Us

Keystone Mutual Insurance Company is a leading provider of medical professional liability insurance to Missouri physicians. We deliver coverage you can count on, with outstanding personal service and unsurpassed benefits – not offered by any other insurer.

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Contact Us

Keystone Mutual
13537 Barrett Parkway Drive
Suite 345
St. Louis, MO 63021
 
Email
 
866.212.2424 phone
 
636.549.3733 fax