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 offering ISR risk protection & access to Cyclone Insurance to community centric organisations across Australia.

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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. Turo is the world's largest car sharing platform.

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Our Guard working  to protect customer owned banks

Our Guard Mutual

Customer Owned Banks have banded together to launch a Financial Lines Solution that uses the best of Insurance & Risk Protection.

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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.

Read more abour our Services >
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.

OUR APPROACH >
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.

OUR SOLUTIONS >

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.

TALK TO US >
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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ENGLAND
5th floor, 20 Gracechurch St
London EC3V 0BG
AUSTRALIA
Level 4, 11-17 York St
Sydney NSW 2000
(c) 2025 Picnic Labs Limited. All rights reserved.
Picnic Labs Limited (ACN 627 271 596) offers consulting and management services to discretionary mutuals through Picnic group companies. Picnic Labs Limited is also registered in England and Wales (UK Est No BRO21440, Company No FC036352). Financial services provided in Australia including advice and issuing discretionary mutual risk protection products and insurance products is regulated by ASIC. Picnic Licensing Pty Ltd (ACN 647 642 117) provides financial services in Australia under AFS Licence No: 532540. Insurance products issued to members of Australian domiciled mutuals are distributed by companies in the PICNIC group and in some cases those companies act as agent of the insurer. Those companies including Picnic Underwriting Pty Ltd (ACN 645 249 109, AR No. 1304757), Picnic Distribution Pty Ltd (ACN 652 925 294, AR No. 13000250), Picnic Services Pty Ltd (ACN 638 145 418, AR No. 1300248) and Picnic Broking Pty Ltd (ACN 676 640 341 AR No. 1308931) are authorised representatives of Picnic Licensing Pty Ltd. Any advice given in relation to discretionary mutual protection products or general insurance products is general in nature and does not take account of your personal circumstances, needs or financial situation. Where a Product Disclosure Statement, Financial Services Guide and Target Market Determination is available, please consider those documents prior to making decision or acquire or hold a financial product. Copies of those documents can be obtained from Picnic or from the relevant manager of the mutual.