Keystone Insurers Group possesses the resources of a national organization. We create, develop, service and manage Specialty Programs that address the most challenging classes. Our statewide network of locally owned and operated agencies provides superior service to customers in their communities.
We are the only organization that combines Cutting Edge Programs with a professional agency force.
The outcome of this unique structure is outstanding value for our customers, along with statewide market penetration for our insurance carrier and association partners.
Blanketing those states in which Keystone does business.
- Statewide Distribution Force
Centralized Management
- Joe Joyce, CPCU, VP, Program Division.
- 20 years of insurance experience in Underwriting, Marketing, & Management.
- Responsible for growth and profitability
- Developing two new programs each year.
Leads Database
- Created for each KIG program
- Assigned and managed for results
Performing in the toughest of markets
- Delivering underwriting profits for our carrier partners.
- Longevity through Hard and Soft Markets.
- Developing guidelines that target the most profitable segment of a class of business.
- Monitoring claims and market trends, promptly making necessary adjustments.
- On-going value provided to customers through proactive programmanagement.
Competitive pricing
We reduce the “touch points” for a carrier, thus lowering their expense level.
We pass these savings along to our customers through competitive pricing and outstanding products, coverages and services.
Our centralized focus enables Program issues to be handled directly with the carrier by The Program Division.
Carrier costs to market products are reduced. We do it!!
Training to meet your needs
- In-depth training seminars for agencies.
- Customized program manuals for each agent.
- Agents are experts on coverage features, pricing plans, installment options, underwriting guidelines, submission requirements, and marketing strategies.
Higher “hit ratios”
- Our agents focus on you as a customer.
- Specialized marketing and underwriting
- Customized products and coverages
- Competitive pricing advantages
- Value-added products and services
Exclusivity
- Considering our unique management and statewide distribution attributes, we seek to be the exclusive statewide provider for our carrier.
- Capability to adopt existing carrier programs and penetrate a statewide marketplace.
Safety Group Dividend Opportunities
- Insureds participate in the profits of your program
- Incentive for loss control and risk management practices.
- Up to 25% of your premiums at the conclusion of the dividend period, based on profit & loss results of overall group.
- Exclusive benefit for Keystone customers
Association Programs
Cross Selling Opportunities.
- Personal Lines, Disability Income, and Group Life for members.
- 5% affinity group discount for personal automobile and homeowners for association members. This benefit is also available to employees of association members.
- Simplified underwriting for Disability Income.
Marketing Strategies
The Program Division implements extensive marketing strategies on behalf of our partner agencies, including:
- Advertising in trade and association publications
- Trade Show Exhibits and Participation
- Seminars and Educational Forums
- Loss Control and Safety Training
- Speakers Forum
- Newsletters
- Point of sale promotional brochures and literature
- Interactive use of website
- Leads generated from our marketing activities are promptly referred to the nearest participating KIG agency
To learn more about The Keystone Insurers Group Program Division, please call Joe Joyce at 1-800-416-5498, extension 120,
or email .
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