Keystone’s Municipal Insurance Program, underwritten by EMC Insurance Companies, is widely recognized as the premier insurance program for municipalities throughout Pennsylvania. Over 400 Commonwealth municipal entities have taken advantage of the custom tailored coverages.
The program is designed for the unique needs of local governments and is offered at highly preferred rates.
The Dividend Paying Safety Group provides an opportunity to participate in the overall profits. Municipalities choose the program best suited to their specific needs.
Unique Broad Coverages
- Enhanced Property and General Liability Coverages.
- Law Enforcement and Public Officials Liability
- Commercial Auto Municipal Amendment Coverage Enhancement.
- Workers Compensation Coverage also available with same carrier.
- Municipal Liability Coverage for Paid Police consistent with PA Act 477.
Dividend Paying Safety Group
- This safety group combines the loss experience of clients’ property, general liability, automobile, and workers compensation to return substantial dividends to participants.
- Annual returns have ranged from 9% to 25%!
Competitive, Consistent Pricing
- Competitive, consistent pricing allows Municipalities to effectively establish a budget.
- This is a stable market across all lines of business, in both hard and soft market cycles.
Accident Insurance Program for Volunteer Workers
- We have developed a unique accident insurance program for your volunteer workers.
- Accidental Death & Dismemberment $5,000
- Weekly Accident Indemnity (payable for 26 weeks) $150
- Accident Medical Expense $5,000
- The annual premiums are based on your population tier. Higher Benefit Levels are available.
| • 0 - 2500 |
|
$250 |
| • 2501 - 10,000 |
|
$400 |
| • Over 10,000 |
|
$600 |
Keystone Municipal Insurance Trust
- A self-insured workers compensation trust, created specifically for municipal customers, is owned and controlled by its insured members.
- Designed to provide municipal customers total control over their workers compensation program.
- Participants benefit from investment income and claims reduction strategies that ultimately result in substantial cost reductions.
Our Partner Carrier: EMC Insurance Companies
- Keystone Insurers Group is proud to partner with EMC Insurance Companies to provide the coverages offered in The Keystone Municipal Insurance Program.
- Headquartered in Des Moines, IA, EMC is rated “A-” (Excellent) by A.M. Best Company and is one of America’s finest writers of Municipal Insurance.
- Assets of over $1.8 billion!
- Excellent customer service.
- Financial strength and stability.
Request a Free, no obligation quote.
For more information on The Keystone Municipal Insurance Program, please send an e-mail to
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