A customer-owned Discretionary Mutual providing risk protection, as an alternative to insurance for Australian community-connecting organisations. Insurance wasn't originally all about profits, it started out as a way to share risk and retain value within a community. Fast forward to today, and customers have little choice other than large profit-driven institutions. Designed by insurance experts in collaboration with customers, Our Ark to breathe new life into the customer-owned mutual model, by providing risk protection products as an alternative to insurance. Plus, it's backed by global reinsurance. Our Ark Mutual is managed by Picnic Labs, the experts in member-owned insurance & risk solutions.