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Keystone Smart Launch 

Pennsylvania's Innovative Insurance Products Program

Keystone Smart Launch is a new program designed to support innovators seeking to deliver new and innovative insurance solutions that will benefit Pennsylvania’s economy and consumers. The Keystone Smart Launch program is open to regulated and non-regulated entities, as well as innovators, start-ups and disruptors looking to enter and operate novel insurance services and products in Pennsylvania.

Our Goal

The goal of the Keystone Smart Launch program is to reduce barriers and speed up the regulatory process for innovators - from startups to well-established firms - to help Pennsylvania offer cutting-edge products and services for consumers and industry professionals.

Getting Started

Knowing where to start with a new product or service can be challenging and navigating regulatory considerations can delay or even bar an insurance innovation's progress to market. We want to make that process easier so innovators can get the information and direction they need. 

We've gathered resources to help you navigate this process:

Doing Business in PA Link

View a variety of resources to help you navigate and understand the state and national standards, best practices and regulatory oversight in place in the current insurance marketplace. 

Frequently Asked Questions Link

Find answers to a range of questions relating to the Keystone Smart Launch program - including general program context, what to expect from the idea submission process and keeping your idea confidential. 

Innovative Idea Portal

Submit your innovative insurance idea to our experienced, cross-functional team for insight and feedback.  

*The submission process offers the ability to maintain confidentiality. 

If you have a question that you can't find the answer to here or need help with any part of the submission process, please contact us via e-mail at