Gard AS is a leading provider of marine and energy insurance products, founded in 1907 in Norway. They offer Protection & Indemnity (P&I), hull covers, marine builders' risks, and insurance for the oil and gas markets. Their target audience includes shipowners, operators, shipyards, and energy companies. Gard's unique selling proposition is its mutual structure, allowing clients to benefit from cost-effective premiums through collective reinsurance arrangements. This model enables Gard to provide comprehensive coverage while maintaining a strong global presence, insuring around 50% of the global merchant fleet[1][3][4].