Insurance companies may be on the Internet, but agricultural insurance or insurance for fishers is not. This is really something that is offered by mutual insurance companies. There are very few companies aside from mutual insurance companies that offer insurance for farmers and fishers.
A large part of our clientele is made up of farmers and fishers. We owe our creation to them, and they still make up the majority of our board members. It is not surprising to note that still today, these people purchase insurance from mutual insurance companies.
These are not-for-profit companies. It is a fact that we have to accumulate a surplus in order to ensure the survival of our insurance companies. However, once that surplus is reached, we redistribute that money to farmers and fishers. We insure those groups more than the rest of the population. They are not our only clients, although several of our companies only provide insurance to those groups. The companies that have a broader clientele redistribute more money to farmers and fishers than to the others. It is a portion of our business that is subsidized by other products offered by our insurance companies.