Our Goal
The Keystone Smart Launch program aims to support innovators looking to deliver new, innovative insurance solutions to the Pennsylvania insurance marketplace. Smart Launch reduces barriers and speeds up the regulatory process to help Pennsylvania offer cutting-edge products and services for consumers and industry professionals.
The Keystone Smart Launch program is for those who want to start new insurance services and products in Pennsylvania, including:
- Regulated entities
- Non-regulated entities
- Innovators
- Start-ups
- Disruptors
We encourage submissions that use newly developed designs or technologies, including ideas that may depart from the traditional regulatory framework.
Getting Started
It's hard to know where to start with a new product or service, and regulatory issues can delay or block an insurance innovation's progress to market.
Through the Keystone Smart Launch program, a team within the Pennsylvania Insurance Department will assess submitted ideas and provide feedback. This allows innovators the opportunity to address that feedback, which could help get their ideas to market faster.
Please note that this is not an accelerator program. Keystone Smart Launch was created to review and answer questions regarding innovative products, programs, or service ideas that may impact the Pennsylvania insurance market.
Idea Submission Portal
Submit your insurance idea to our expert, cross-functional team for feedback.
Confidentiality
The submission process offers the ability to maintain confidentiality. Within the Keystone Smart Launch Idea Submission Portal, you will see an option allowing you to request your submitted inquiry be considered proprietary and/or confidential. Simply select "Yes" to indicate that confidentiality is your preference.
In order to ensure any documents submitted during this process are also held confidential, please ensure all submitted documentation has a cover page marked 'Confidential and/or Proprietary Information'. This should be done both when uploading documents via the Smart Launch Idea Submission Portal form and when submitting documents to PID via any other means. This enables the department to exclude the data from any request made pursuant to the Commonwealth’s Right-to-Know Law (RTKL) as it would be exempt from disclosure pursuant to 65 P.S. Sec. 67.708(b)(11). PID would not provide this information in response to a RTKL request. If the denial were appealed to the Office of Open Records (OOR), the department would expect the submitting company or entity to join as a necessary third party to the appeal, and the company or entity would have the burden to demonstrate to the OOR in any appeal that the data and information is accurately classified as trade secret/confidential proprietary information.
After Submission
Our internal cross-department team within PID will assess submissions to ensure all necessary information is available to complete a preliminary review. A member of our team may reach out during this time for clarifications or additional questions.
Once the preliminary review has been completed, the submitter will receive an email to request a virtual meeting or phone call to outline the process and summarize the considerations being presented.
Contact Us
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 RA-IN-INNOVATEINTAKE@pa.gov.