Keystone Mutual Insurance Company is a leading provider of medical professional liability insurance to Missouri physicians. We deliver coverage you can count on, at a fair price, with outstanding personal service and unsurpassed benefits - not offered by any other provider. A negligence or malpractice claim can have a devastating affect on your career, and in turn, your future and financial security - you have a choice in protecting your professional reputation. And you'll be in good company at Keystone Mutual - our conservative and highly selective underwriters work only with the best, allowing us to remain secure and stable and keep our premiums low. Keystone Mutual is lean by design and nimble in providing an outstanding policyholder experience. Keystone policyholders receive many benefits not offered by any other insurer, including: Free, unlimited legal advice on risk management and minimizing liability Keystone Capital™ - member savings program Choice of defense counsel Consent to Settle Plus® with extended appeal option RenuXpress™ Automatic coverage for medical board investigations Coverage for medical board investigations at no additional cost Keystone Mutual is the only Missouri mutual to be reinsured; our policies are backed by more than $36 billion in reinsurance by A+ rated Lloyd's of London and other outstanding reinsurers. At Keystone Mutual, we are more than your insurance provider; we are a trusted partner in your success.