Fast-Growing Keystone Mutual Allows Policyholders to Share in Success

Board of Directors Increases Funding for Special Retirement Fund

Though the medical malpractice industry is wrought with challenges, Keystone Mutual Insurance, a Missouri based professional liability insurance company, continues to grow its market share and increase revenues. The company’s $1.7 million in premium is a 60% increase in the past 18 months.

Key to the company’s growth, according to founder and CEO Jim Bowlin, has been a commitment to policyholder appreciation. An example of this commitment, measured in real dollars, is the innovative Keystone Capital® program, which allows the Board of Directors to set aside a certain amount for each policyholder as a percentage of their premium. The money is rewarded to them upon retirement as long as they remain Keystone Mutual members and have no claims.


“We were the first company in Missouri to offer this program, and we remain one of the few nationwide that offer a real dollar commitment to making sure our policyholders know we value them,” says Bowlin.

Just recently, the Board of Directors voted to increase funding for the program by five percent.


“We are more than insurance for our policyholders,” says Bowlin. “The Keystone Capital® program is just one of the ways we make sure our valued policyholders can live more comfortable lives – even after their time as a professional is over.”

About Keystone Mutual Insurance

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, and is the only insurer approved by the St. Louis Metropolitan Medical Society. The company sells direct and provides unmatched benefits to doctors through its innovative approach to insurance. With an individualized focus, Keystone Mutual provides an outstanding policyholder experience. For more information visit