Our Guard provides protection tailored specifically for customer-owned financial institutions, offering three distinct structures that combine institutional-grade insurance with member-owned mutual protection.
Our Guard Mutual is owned by and governed for customer-owned ADIs. This structure aligns decision making with member interests rather than shareholder profit.
Different risks require different protection approaches:
Mutual Risk Protection, Insurance Only or both depending on the exposure.
Designed to support members across retained and smaller losses, aligning outcomes with member needs.
Available on Financial Lines products – reimburses insurance deductibles, reducing the impact of retained exposures
Decisions are made within a defined governance framework, ensuring consistency and fairness across members.
Works alongside insurance to provide a more complete and responsive approach to risk.
A more integrated protection approach designed to align insurance and mutual protection around the long-term interests of customer-owned banks.
"At first, we were trying to compare it like for like with a traditional programme. Once we understood how the mutual and insurance layers work together, it became a much more practical way to manage risk."
“We weren’t looking to replace insurance, we were looking to improve how it worked for us. Our Guard gave us a more balanced and predictable outcome across the programme, which made the decision straightforward."
An initial conversation is an opportunity to ask questions, gain clarity, and explore whether Our Guard aligns with your organisation's needs. There's no obligation just an open discussion.
No obligation. No pressure. Just clarity.
