Innovative alternatives to insurance

Insurance alternatives from Picnic Labs
We are the conduit between risk & those that need protection from it.

Picnic Managed Mutuals & Projects

Picnic Labs designs, builds & operates mutuals and risk transfer solutions as alternatives to insurance. We provide support services to other Mutuals & Co-ops.

Our Ark provide an insurance alternative to community-connecting organisations

Our Ark Mutual

A discretionary mutual fund offering ISR risk protection to community-connecting organisations.

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Turo - the world's largest car sharing marketplace protects host & guests with an insurance alternative

Turo Travels Mutual

If you're a Host or a Guest with Turo in Australia, you're protected by the Turo Travels Mutual.

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Our Guard working  to protect customer owned banks

Our Guard Mutual

Customer Owned Banks have banded together as an industry for an Financial Lines alternative.

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Sharing platform

Sharing is the new renting. An international vehicle sharing platform in operates a DMF across its Australia business with support from Picnic.

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Large retail group

A consortium of aligned operators protects its buildings, contents & business interruption using risk protection & Cyclone Insurance.

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Global organisation

An international industry disruptor works with Picnic to create a range of alternatives to Insurance in Australia, New Zealand & the UK.

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Buying group

Picnic assisted a Church buying group design its own DMF to provide an alternative to its Churches and associated operations.

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Undisclosed client

A long-established Co-operative Group leveraged our Mutual Capital Instrument (MCI) expertise to understand options for its continued growth.

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Picnic - in the works - tangerine

Secret project #1

A broker is working with a major client with operations across Australia, to create a new offering to protect purchases made by the client’s customers.

How we can help you >
Picnic - in the works - aubergine

Secret project #2

An industry group is exploring new ways to provide meaningful protection.

How we can help you >
Picnic - in the works - grapefruit

Secret project #3

A consortium of organisations seeking insurance alternatives is working with Picnic.

How we can help you >
Picnic-your project - aubergine

Talk to us

Talk to us if your organisation, association, or industry is seeking insurance alternatives

How we can help you >

Risk Transfer Solutions

Increased prices and exclusions are often applied by insurers without exception.  

Many organisations and industries feel misunderstood as a result.

Picnic designs, launches, and operates new insurance alternatives and risk transfer solutions with organisations, industries, and associations.

Learn more about the Picnic approach the creation of new risk transfer solutions.

Picnic Labs - there are alternatives to insurance that are greater than you realise
Picnic Labs - multiplying the benefits of alternative risk transfer solutions

Support for Existing DMFs & ARTs

Many existing discretionary mutuals and alternative risk transfer (ART) solutions already provide an alternative to insurance to their customer base, industry, or community.

Our experienced team provides a range of professional support services to in-house management teams.

Learn more about the solutions offered by Picnic.


Explore The Options

Is there an insurance alternative that suits your organisation, industry, or association?

Picnic will work with you to find answers.

It may be that there is already a solution to join, or something new could be created.

Get in touch to learn more about how Picnic may be able to assist.

Picnic Labs - plus more insurance alternatives
Picnic acknowledges the Traditional Custodians of the land on which we work, live, and gather as employees, and recognise their continuing connection to land, water and community. We pay respect to Elders past and present.
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