Both Picnic Labs and Picnic managed Mutuals present investment opportunities for organisations seeking to participate in ethical, social, and well-governed innovation.
Investments in Picnic and Picnic-managed Mutuals support social innovation, and supports a wide range of communities, not-for-profits, industries and corporate ESG strategies.
Every Mutual requires capital to launch and grow.
Capital support can be provided via Mutual Capital Instruments (MCI), Subordinated Debt, Put Options to place additional MCI as required, and financial guarantees.
Every Mutual is a separate entity that requires capital to support its launch & growth based upon:
> Purpose, industry, market segment and community of customers
> Products (E.g. Property, liability, financial lines)
> Reinsurance arrangements
> The risk signature
-- Post-launch investments reduce reliance on reinsurance which optimises operating costs, increases growth, and brings benefit to a Mutual’s members.
-- Over time, if there is significant surplus held by the Mutual, the external capital can be redeemed by investors.
-- Yields vary according to the type of capital instrument and the stage of the Mutual
Investment into a Picnic-managed Mutual is suitable for:
> ESG funds
> Debt funds
> Entities or individuals aligned with the community of Mutual Members
> Members of a mutual
> Sophisticated investors
Picnic creates and operates alternative risk transfer structures including Mutuals, as alternatives to insurance, on behalf of organisations and communities.
Investment in Picnic supports the overall ecosystem that provides innovative alternatives to insurance.
Picnic generates revenue from professional services fees for:
> Designing & operating new mutuals and other alternatives to insurance
> Operating & supporting mutuals and other alternatives to insurance created and managed by others
Revenue growth is driven by:
> Efficiently increasing the membership of each Mutual
> Each new Mutual added to the Picnic portfolio
> The provision of effective, scalable processes, technologies, and services
-- There is no ‘insurance risk’ with an investment in Picnic.
Investment in Picnic is suitable for:
> Venture capital funds
> ESG funds
> Debt funds
> Sophisticated investors
