Mutual companies are member-owned, public companies. Members are customers, who are also owners of the Mutual.

An Aggregate Deductible Fund (ADF) is a self-insurance pool of funds that is commonly used by buying groups to manage their risks. Buying groups are formed by collectives of companies, community groups, religious institutions, sporting organisations.

A Discretionary Mutual is a mutual organisation that provides an insurance-like product known as risk protection.

A Mutual is a business structure that places customers at its heart.  While many organisations claim to put customers at the centre of everything they do, with a mutual business structure it’s a fundamental part of the legal structure. Mutual.

Mutuals have particular reinsurance needs due to their ownership structure and constraints in accessing additional capital. With the emergence of new mutuals, a reinsurer that understands these needs and is appropriately focussed is vital. To.