Outside the general competition law, government plays virtually no role in the rural insurance market. One exception is the insurance provided by the Earthquake Commission, which is a public agency offering insurance against damage caused by geological disasters, but this concerns only personal property (homes and contents). Government does not have any form of partnerships with insurance providers. There are no known arrangements between the insurance companies to share information related to agricultural insurance except, according to FMG, the information related to life insurance. Biosecurity New Zealand (BNZ) is the largest department in MAF, accounting for about 80% of MAF’s total budget of NZD 360 million.