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LeapFrog Financial Inclusion Fund was set up in 2009 as the first worldwide investment fund to focus on micro-insurance. The fund invests in established and new institutions that offer insurance to people on low incomes who currently have no access to insurance products. Micro-insurance is an essential service to guard people from the effects of unforeseen events. Illness or fire can wipe out reserves that people have spent years saving up, plunging a family into poverty. Triodos Sustainable Finance Foundation and Hivos-Triodos Fund are among the founding shareholders in LeapFrog Financial Inclusion Fund. A senior officer of Triodos Bank represents the funds in the Investor Represetative Committee of the fund.