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 $311 million in reinsurance from COPIC Insurance Company for all claims.
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.
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.
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.
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.
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.
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.
The decision to close your medical practice is often difficult and strenuous. It may be done for several reasons: retirement, other job opportunities, relocation, personal health, etc. Whatever the reason, it is important to take the proper steps to protect yourself, your practice and most importantly, your patients. Once the decision has been made to […]
I was talking to a friend the other day who had recently moved his residence. He was extremely satisfied with the moving company and wanted to give the movers a tip. To his surprise, the movers asked that he instead provide a 5-star rating on google and other social media. He provided both a tip […]
In June of 2016, Missouri established telemedicine practice standards, including explicitly allowing for the delivery of health care services using electronic information and telecommunication technology. Telemedicine became a critical and necessary part of practice for a majority of health care providers due to the Covid 19 outbreak. Following the pandemic, many healthcare providers found that […]
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.

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