This annual report covers an extraordinary period – a year that has presented challenges that were felt by us all. While this was an unprecedented year, our 161-year history has built us for these times. When the COVID-19 crisis began to unfold, we reaffirmed our commitment to our customers and ensured there was no impact on the quality of our service. We also adjusted policies to accommodate customers and partners in an uncertain time. Guardian employees and our partners demonstrated flexibility and resilience when we fully transitioned to remote work with one day’s notice.

We achieved strong results by staying true to our values: people count, we do the right thing, and we hold ourselves to very high standards. We also strengthened our focus on diversity and inclusion against the backdrop of renewed action for racial equity and social justice. We emerged from this year a stronger, more resilient company, better positioned to serve our customers.