BYO Customer Mutuals are started by Foundation Members and Picnic designs, operates and grows the membership.

For an open market

The BYOCustomer model applies when a few organisations seek to launch an alternative insurance solution.

Foundation Members

Those organisations become Foundation Members of the Mutual by purchasing the products to protect themselves.

Available to a Wider Community

The Foundation Members want to make the Mutual available to a wider community of like-minded organisations.

For example, other organisations within the same industry, or geographic location.

Branding Alignment

BYOCustomer Mutuals usually have a new, stand alone brand that reflects the purpose & target market.

Picnic Provisions

Picnic Labs designs, operated and growth the Mutual with the assistance of the Foundation Members.

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BYO Customer+ Mutuals enables a Sponsoring Organisation to provide a Mutual as an alternative to insurance to its members or customer base. Picnic designs & operates the Mutual. The grow is lead by the sponsoring organisation.

For a defined market

The BYOCustomer+ model enables a Sponsoring Organisation or association to define the customers and lead the growth of the Mutual.

The market is defined by the membership or known customer base of the Sponsoring Organisations.

Sponsoring Organisation

The sponsoring organisation may itself, not be a member of the Mutual.Picnic Labs delivers designs and operates the Mutual.

Available to Defined Customers

The Members join the Mutual via the sponsoring organisation - be it a commercial entity, association or industry body.

Branding Alignment

BYOCustomer+ Mutuals may be branded to reflect the sponsoring organisation, or have a standalone brand.

Picnic Provisions

Picnic Labs designs and operates the Mutual.

The Sponsoring Organisation leads the growth.

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