FINANCIAL LINES SOLUTION

TWO COMPLEMENTARY PRODUCTS

Insurance + Risk Protection

What is the Solution?

  • Insurance for D&O, PI & Crime that is underwritten by Lloyd’s insurers authorised by APRA.
  • To keep insurance costs low, the Insurance Policy has a high deductible.

  • Discretionary Risk Protection for smaller claims or to reimburse the Insurance Policy Deductible.

  • The Insurance Policy and Risk Protection products form the Solution - they cannot be taken as separate products.
  • Plus, the Mutual is collectively owned by all Our Guard Members.

Watch this 90 sec explainer video

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Got a question?  Talk to us.

Insurance Policy Wordings & 
Discretionary Risk Protection PDS

> Read the Insurance Wordings & Risk Protection PDS
Our Guard Financial Lines Solution for Directors & OfficersOur Guard Financial Lines Solution for Professional Liability
  • Civil Liability based wording, including Statutory Liability, created for the differentiated risk profile of Customer Owned ADIs.
  • Clear policy language with limited exclusions and conditions.
Our Guard Financial Lines Solution for Crime

Insurance Policy

  • Risk Protection does not attract the duties that Insurance does, saving you money
  • Discretionary Risk Protection protects the Insurance Policy Deductible and claims that fall below the Insurance Deductible.
  • Comprehensive cover designed for Customer Owned ADI entities and their management.
  • Covering Directors & Officers, Company Reimbursement and Company Securities Liability and including generous coverage extensions.
  • Risk Protection does not attract the duties that Insurance does, saving you money
  • Discretionary Risk Protection protects the Insurance Policy Deductible and claims that fall below the Insurance Deductible.
  • Risk Protection does not attract the duties that Insurance does, saving you money
  • Discretionary Risk Protection protects the Insurance Policy Deductible and claims that fall below the Insurance Deductible.

Risk Protection

  • Customer Owned ADIs are unfortunately not immune to criminal activity, Crime Insurance has been constructed to provide unambiguous protection.
  • Simple, clear but highly effective cover for broad range of events.
> Read the Insurance Policy Wordings> Read the Risk Protection PDS

Got a question?  Talk to us.

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If you have any questions, please contact us.
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GENERAL ADVICE WARNING
‍Our Guard Mutual Limited ('Mutual') is managed by Picnic Services Pty Ltd ACN 638 145 418 ('Manager') an Authorised Representative (AR No: 1300248) of Picnic Licensing Pty Ltd (AFSL No: 532540). Any advice provided about any products is of a general nature only.It does not take into account your personal circumstances. Please read the Product Disclosure Statement (PDS) and Financial Service Guide to see if these products are right for you.

Our Guard acknowledges the Traditional Custodians of the land on which we operate, live, and gather, and recognise their continuing connection to land, water and community.
We pay respect to Elders past and present.
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