Products Services Publications Topics About Gard Contact MyGard EMERGENCY Home About Gard Finance and risk management Finance and risk management Key figures FIGURES IN USD MILLION - FOR THE YEAR TO 20 AUGUST 2021 Gross earned premium 473 Equity 1,226 Result -27 Combined ratio net* 113 The Gard Directors' Report and Financial Statements as at 20 August 2021 - Previous years reports - Reports for Assuranceforeningen Gard -gjensidig- - Reports for Gard Marine & Energy Insurance (Europe) AS - Financial Condition Reports Last instalment 2016 2017 2018 2019 2020 Estimated 25 25 25 25 20 Actual 0 0 15 20 10 Reduction (USDm) 90 79 37 18 38 Estimated and Actual in per cent per policy year Stability and predictability in the level of calls is a highly desirable outcome for Members, and our track record demonstrates our ability to manage this process. Equity Figures in USD million Standard & Poor's Ratings Standard & Poor's considers Gard to have an extremely strong capitalisation with good diversification across marine lines. Standard & Poor's report, 21 October 2021 Standard & Poor's Financial Services LLC, provides independent financial information, analytical services, and credit rating to the world's financial markets. For more information on Standard and Poor's, visit http://www.standardandpoors.com/ Gard Marine & Energy (Europe) AS STAY UPDATED Get updates from Gard in your inbox. Read our latest news and insights. Sign up for our updates Follow Gard Linkedin Twitter Facebook Disclaimer Code of ethics and business conduct Gard's commitment to the UN Global Compact Gard's Modern Slavery Act statement Cookies and data protection Complaints Webmaster Gard is a member of