From the straightforward to the complex, we offer specialized expertise for businesses, individuals, and families. For individuals, families, and businesses who are looking for insurance coverage and financial services, Keystone offers consultative access to a variety of insurance and investment companies that can provide quality solutions that meet your needs.

Business Insurance Solutions

Property and Casualty
Financial Services
Risk Management
Employee Benefits
Bonds
Captives

Personal Insurance Solutions

Property and Casualty
Financial Services

Business Insurance Solutions

Building a business that stands the test of time takes courage, vision, discipline and resources. An owner must be mindful of the pitfalls and opportunities along the way. At Keystone, we bolster independent insurance agencies with added resources. From complex insurance solutions, to risk management, employee benefits and financial services, Keystone provides specialized expertise for the unique needs of each business.

   Property and Casualty

Property and Casualty offers simple points of entry to make submitting and writing business more efficient and seamless between your agency and our carriers.

Programs:

  • We create and manage specialty commercial insurance programs for challenging classes of business while training our agents to become product experts. Many of our carriers offer exclusivity to our Keystone agencies.
  • We pride ourselves on maintaining strong relationships that lead to specialty endorsements with specific industry associations.
  • Programs are developed for specific state and geographical complexities. Marketing tools and leads are provided for each class of business.
  • We foster a mentoring environment. Seasoned program agencies serve as sales and product coaches.
  • We operate a fully functioning Program Administrator that offers additional underwriting authority and a specific Keystone underwriter offering assistance for exclusive niche market programs.

Commercial Marketing

  • Our in-house brokerage is designed to help agents place larger, complex high value personal client accounts.
  • We specialize in multi-state, national, and international risks, evaluating and negotiating with specialized markets while helping agents successfully market, propose, and sell the account.

Business Development

  • Dedicated resources for assistance in generating revenue on large and/or complex accounts.
  • Access to unique solutions.
  • Sales and presentation strategies.

   Financial Services

Our financial services offerings help our agencies enhance their business and personal customer relationships with life, disability, long term care, and annuity solutions.

We offer point of sale support, advanced case design, underwriting expertise, and access to financially strong markets with top rated service and compensation.

Areas of focus:

  • Term and permanent life insurance case design
  • Life policy review
  • Deferred compensation/accumulation programs
  • Buy/sell reviews
  • Estate planning
  • Long term care
  • Disability income protection
  • 401(k) / retirement plans
  • Third party administration
  • Fixed annuities

   Risk Management

The Risk Management Division helps improve our Keystone partners’ ability to attract and retain business by offering unique risk management solutions.

Offerings:

Accident Prevention/OSHA Compliance

  • In-house safety professionals
  • Safety committee facilitation
  • Site inspections, accident investigation and training
  • Supervisor training / Behavior-based programs

Claims Management

  • Workers’ Compensation
  • Auto / General Liability
  • Return to Work programs

DOT

  • DOT audits
  • Vehicle/fleet safety programs
  • Defensive driver training

Human Resources Management

  • Access to in-house legal counsel and toll-free HR Helpline
  • FMLA and leave of absence administration
  • Employee handbooks and policy development
  • Unemployment compensation management
  • Labor relations, contract negotiation, grievance management

Risk Financing

  • Leverage insurance market
  • Manage experience mod
  • Review carrier performance
  • Manage valuation date

Risk Essentials

  • Low-cost, customized and guided, digital HR/Safety training platform

   Employee Benefits

Keystone helps you grow your agency value by winning, servicing, and retaining your benefits business. We offer flexibility in how you engage based on your goals, expectations, and staffing needs within your agency.

Offerings:

Employee Benefits

  • Medical & non-medical insurance
  • Exclusive programs
  • Fully insured, level-funded & self-insured consulting
  • Benefits captive

Compliance

  • ACA expertise
  • Education and training
  • Compliance dashboard
  • Benefits document generator

Human Capital Management

  • HR helpline
  • Benefits administration system
  • Systemized implementation & enrollment process

   Bonds

Keystone can help you with all of your bonds, not just for construction-related contracts. We can bond suppliers, manufacturers, trucking, and other types of accounts. We can also write license and permit bonds for smaller commercial businesses. Keystone is appointed with over 20 sureties and can help with non-standard or collateralized construction clients.

With Keystone, you get access to a national surety while saving the labor costs your CSRs would spend placing a difficult bond. We will prepare the bond in less time, direct bill, and manage the account while you earn commission.

Because we’re owned by our agents and employees, your P&C book is protected. As an added bonus, we can help dissect your existing book for bonds you didn’t know existed that may be done by another “bond” agency.

We write bonds for:

  • Agriculture
  • Amusements
  • Construction
  • Energy
  • Equipment dealers
  • Food, restaurants, and hospitality
  • Healthcare
  • Manufacturing
  • Retailers
  • Transportation
  • Wholesalers/distributors
  • Many other industries

   Captives

Keystone provides an array of captive opportunities designed for clients interested in taking control of their insurance programs to maximize profits.

We provide turnkey and cost effective pure captive, homogeneous, and heterogeneous group captive opportunities and the expertise to help you more easily sell these solutions to clients.

Offerings:

  • We educate agents on each unique captive offering and help them present the benefits of captive arrangements to clients.
  • We support and position your staff as the lead consultant throughout the sales process.
  • Our captives help agents attract new clients while protecting their existing client base through unique, exclusive offerings with major carriers.
  • Captive programs can span many types of industries including healthcare, manufacturing, wholesalers/distributors, trucking, and more.

Personal Insurance Solutions

As individuals mature and families grow, so do the risks they face. At Keystone, we support independent insurance agencies to help clients address risk and plan for tomorrow. We offer a portfolio of insurance solutions and financial services to help people build a firm foundation for the life they want to lead.

   Property and Casualty

Our property and casualty services are designed to help agencies tackle challenging classes of business while developing niche market expertise.

Programs:

  • We create and manage specialty commercial insurance programs for challenging classes of business while training agents to become product experts. Many of our carriers offer exclusivity to Keystone agencies.
  • We pride ourselves on maintaining strong relationships that lead to specialty endorsements with specific industry associations.
  • Programs are developed for specific state and geographical complexities. Marketing tools and leads are provided for each class of business.
  • We foster a mentoring environment. Seasoned program agencies serve as sales and product coaches.
  • We operate a fully functioning Program Administrator that offers additional underwriting authority and a specific Keystone underwriter offering assistance for exclusive niche market programs.

Commercial Marketing

  • Our in-house brokerage is designed to help agents place larger, more difficult commercial accounts.
  • We specialize in multi-state, national, and international risks, evaluating and negotiating with specialized markets while helping agents successfully market, propose, and sell the account.

Business Development

  • Dedicated resources for assistance in generating revenue on large and/or complex accounts.
  • Access to unique solutions.
  • Sales and presentation strategies.

High Net Worth Insurance

  • Unique solutions for people or families with large assets.
  • Coverage is designed to help protect your wealth.
  • We build flexible coverage options depending on your individual needs, such as international travel, autos, home(s), household help, collectibles, etc.

   Financial Services

Our financial services offerings help agents enhance their business and personal customer relationships with life, disability, long term care, and annuity solutions.

Offerings:

  • Term and permanent life insurance case design
  • Life policy review
  • Deferred compensation/accumulation programs
  • Buy/sell reviews
  • Estate planning
  • Long term care
  • Disability income protection
  • 401(k) / retirement plans
  • Third party administration
  • Fixed annuities