Products

The Keystone Large Deductible

Keystone has developed a fully insured product designed to lower the ultimate cost of insurance and provide unique benefits to privately held businesses. Previously limited to larger insureds with single parent captives, this large deductible alternative brings the framework of a highly successful owned captive structure to a wider audience of insureds.  Qualifying businesses generate conventional premiums in excess of $1,000,000 or have the ability to assume a retention of $100,000 or more. Read more...

Structured Self Funded Policies

While structured self funded policies can be placed for a variety of coverage, the most prevalent are those lines where traditional options are scarce, price prohibitive (i.e. a premium of $850,000 for a policy limit of $1,000,000 including defense), contain significant exclusions, or there is no coverage to be found. Read more...

Member Owned Group Captives

Many businesses meet the core characteristics of a captive owner, yet they lack the size to take advantage of rent-a-captive and single parent captive structures.  For these businesses, a Member Owned Group Captive becomes the ideal vehicle to access the benefits of captive ownership. Read more...

Program Business

While the number of carriers willing to entertain program business has continued to grow, so has the complexity of sifting through their numbers to find the best possible match for your program’s particular needs.  Programs that don’t seem to fit the carriers’ commodity template but instead require customized solutions have been our forte.  We succeed where others may fail by blending technical expertise, creativity and underwriting relationships built on a platform of long-term accomplishment. Read more...

Keystone 7 Impact Point Model – Risk Mitigation

Keystone Risk Partners has built the Seven Impact Points Model to greatly enhance the measurement and management of an insured’s workers’ compensation exposure.  Keystone collaborated with Patrick Gallagher, Ph.D. of Gallagher Austin Risk Management, LLC and Temple University’s School of Risk Management to develop this model that scores the weighted importance of critical factors affecting the cost of workers’ compensation losses. The model uses a series of survey questions and statistical analysis organized under seven areas of occupational disability management to generate a Seven Impact Points Model score. Read more...