Protection for your plant cultivation and greenhouses.

Specialist insurer for European horticulture – since 1847.

Our core competency is to identify, assess and mitigate the risks unique to horticulture. We protect our members’ livelihood and liquidity against natural and technological hazards specific to the horticultural sector. To make sure you are on the safe side should events not go quite as planned.

We are here for you.

Your local contact person will be happy to help you.
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You would like to report loss or damages?

Contact your risk advisor or submit a claim using our online form. Once we have received the notification of your claim, we will process it and contact you as quickly as possible.

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Personalized insurance tailored to your individual needs.

Our mission is to ensure the security of your livelihood – find out more about our insurance services.

Greenhouse

Do you grow crops in greenhouses? With our modular solutions, we offer every horticultural business tailored coverage that is optimally adapted to its operations and specific risks.
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Garden center

Are you looking for a tailored solution for your specialist retail business? Find out more here about our product specifically designed to meet the needs of garden centres.
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Open-field cultivation

Do you need comprehensive coverage for your outdoor production? Our outdoor crop insurance protects your crops and harvested produce against a range of risks.
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Greenhouse

Garden center

Open-field cultivation

Tree nursery

Would you like to protect your tree nursery as effectively as possible against hail and other natural hazards? Take advantage of our comprehensive insurance coverage for your trees and shrubs.
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Cyber

Do you need protection tailored specifically to the needs of your IT systems? And fast recovery of your IT systems and databases? Find out more about our cyber insurance today.
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Protected cultivation

Your investments in protected cultivation, from greenhouse structures to crop systems such as gutters and irrigation systems, are in the best hands with us. We provide reliable protection against natural hazards, fire, and equipment breakdowns.
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Photovoltaic systems

Many horticultural businesses are investing in photovoltaic systems. We offer comprehensive insurance coverage for these systems, including protection for new technologies such as batteries, in-house transformers, and permanently installed charging stations for electric vehicles.
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Tree nursery

Cyber

Protected cultivation

Photovoltaic systems

Fire Risk Prevention

“What could possibly catch fire in a greenhouse?”

The risk of fire in horticultural businesses should not be underestimated. Numerous potential hazards, such as outdated and highly flammable shade materials, improperly stored plastic pots, and large quantities of cardboard packaging materials, can create a significant fire load. Even simple measures can help reduce the risk of fire within the business.

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SCHADEN MELDEN

Hail Risk Prevention

How to Protect Your Greenhouse from Hail Damage

Hail damage poses a significant risk to horticultural businesses, as it can severely affect plants, buildings, and infrastructure. To minimize crop losses and financial setbacks, targeted preventive measures and comprehensive insurance coverage are essential.

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SCHADEN MELDEN

Loss Prevention in the Event of a Claim

What to Do in the Event of a Claim

Claims can pose a significant risk to businesses, as they can severely impact both operations and financial stability. From damage to infrastructure to technical failures, the consequences can be far-reaching without the right protective measures and a swift response. To minimize financial losses and business interruptions, preventive measures and comprehensive insurance coverage are essential.

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SCHADEN MELDEN

Storm Risk Prevention

When Storms Strike: How to Effectively Protect Your Greenhouse

In recent years, Germany has been hit by a major storm at the beginning of the year every two years, causing significant damage. In February 2022, Storm Zeynep struck, followed by Storm Sabine in February 2020 and Storm Friederike in January 2018. In addition, summer storms have become increasingly frequent in recent years. These storms pose a significant threat to horticultural facilities, whether in greenhouses or outdoors. The following measures can help you make your greenhouse or polytunnel more resistant to storms.

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SCHADEN MELDEN

Flood Risk Prevention

An Underestimated Risk: How to Protect Your Facility from Flooding

The risk of flooding has increased in recent years in correlation with climate change and is expected to pose an increasing threat in the years ahead. Heavy rainfall, overflowing rivers, and rising sea levels are increasingly leading to extreme flooding events. Even regions that have rarely been affected in the past are becoming increasingly vulnerable.

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SCHADEN MELDEN

Snow Load Damage Prevention

Preventing Snow Load Damage: Tips for the Cold Season

Winter is approaching, and with it comes the risk of snow load damage to greenhouses. Such damage can quickly result in significant costs, yet simple measures are often enough to prevent it. Taking action early helps keep your business safe. We show you how to protect your greenhouses effectively against snow and cold.

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SCHADEN MELDEN

Our members are what make us special.

As a mutual insurance company, the community is our greatest strength.
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Dworschak & Sohn Bioland Gemüsebau

Nürnberg Kraftshof, Deutschland

Dworschak & Sohn is a family-run business that produces organically grown potted herbs, tomatoes, and cucumbers across 55,000 m² of greenhouse space. The company is headed by Rudolf Dworschak, who is actively supported by his daughter Anna-Lena and son Johannes. During peak periods, up to 110 employees work at this traditional yet innovative company.

 
 
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Bernhard Nill Gartenbaubetrieb

Ellingen, Deutschland

Bernhard Nill and his daughter Catharina make a great team. Together with eight other employees, they successfully run the horticultural business. In June, lavender dominates the landscape, while in September, the callunas light up the scenery and can be seen from afar. They account for around 70% of total sales. The extensive site high up at Windhof in Ellingen provides plenty of space for holistic potted plant production, successfully combining conventional crop protection with alternative methods.

 
 
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Warthof Obst

Grünberg, Deutschland

The Warthof in Grünberg is a family-run fruit farm with more than 150 apple varieties, a local farm shop, and its own wine production. For generations, the Sauerbier family has been committed to sustainable cultivation, direct marketing, and diversity – a place where freshness, tradition, and unique taste experiences come together.

 
 
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Gärtnerei Lindenhof

Bensheim, Deutschland

The Lindenhof in Bensheim-Auerbach is a family-run business now in its third generation. Originally a farm with livestock, the Lindenhof has evolved since the 1980s into a thriving horticultural business, producing a wide variety of crops and successfully marketing them locally.

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Baumschule Wilhelm Ley GmbH

Meckenheim, Deutschland

What began in 1891 on half a hectare of farmland has, over the decades, developed into one of Europe’s leading tree nurseries. Today, on more than 500 hectares of loess-loam soil, Wilhelm Ley Nursery cultivates a wide variety of plant species and varieties.

 
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Wans Roses

Straelen, Deutschland

Wans Roses has been producing cut roses since 1975 and is now run by the third generation of the family. Managing Director Christian Wans talks about his work, the challenges he is currently facing, and his collaboration with Gartenbau-Versicherung.

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Steinegger GARTENPARK GBR

Rheinfelden, Deutschland

The family-run business Steinegger Baumschulen GbR was founded in 1975. Over the years, the family developed a container nursery covering around 7 hectares. At Steineggers Gartenpark garden centre, visitors can find a wide range of potted garden plants, most of which are grown in-house.

 
 
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Sulzer Rosen

Sinzheim, Deutschland

The family-run nursery is located at the foot of the Black Forest. It specializes in the production of cut roses and potted roses. Its range includes more than 100 varieties, from ground cover roses and pyramids to standard and half-standard roses, as well as large iron trellises.

 
 
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Bioland Kräutergut

Nürnberg / Kraftshof, Deutschland

Since 1928, Bioland KräuterGut has been run by the family and is now in its fifth generation. Here you can learn more about Bioland KräuterGut and Managing Director Tanja Dworschak-Fleischmann.

 
 
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Janßen Group

Kevelaer, Deutschland

Janßen Group GmbH & Co. KG is a medium-sized, family-run company specializing in the production of potted plants such as Calluna vulgaris under the Beauty Ladies® brand, as well as lavender, Erica carnea, and Erica ventricosa.

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Staudengärtnerei Moll

Echterdingen, Deutschland

Staudengärtnerei Moll is located on the southern outskirts of Stuttgart, in the village of Echterdingen. On 4.5 hectares, the Moll family and their team produce a wide range of hardy perennials and ground-cover plants for private customers, landscaping companies, and tree nurseries.

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Gärtnerei Wolter GbR

Babenhausen, Deutschland

Gärtnerei Wolter produces high-quality plants for specialist retailers, garden centres, and cemetery nurseries, as well as plants in multi-cell trays for cemetery gardeners. A large proportion of its production is grown to order. The delivery area primarily covers the Rhine-Main region and extends up to 200 km from the nursery.

Our service portfolio designed to keep you safe.

Because your risks are our core competence.

Tailor-made

You want neither too much nor too little protection? Our risk consultants offer customized advice and protection packages. You decide.

Reliable

You need to be able to rely on your partner when it counts. When things don’t go as planned, you can rely on us. Unbureaucratic, prompt and personal.

End-to-end services

Our insurance coverage is only part of the services we offer: With comprehensive advice and information, we also provide you with preventative support for risk management.

Quality

Founded by gardeners for gardeners in 1847, we stand for the highest level of expertise in consulting and risk management.

Sustainability

Both in our relationship with our members and in our wider social responsibility, we live and breathe sustainability – because it is in our nature.

Partnership

The best possible advice, backed by an outstanding team: Together with our national and international partners, we are here for you.

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Gartenbau-Versicherung Newsletter

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Gartenbau-Versicherung und Vereinigte Hagelversicherung wollen zusammenwachsen.

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Im Schadenfall zählt jede Stunde – Interview mit Henri Jourdain

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Elektrizität sicher nutzen – und Brände vermeiden.

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Robotik und KI im Gartenbau

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Energieeffizienz im Gewächshaus – Chancen für die gärtnerische Praxis.

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Facts, figures, data

If you want to know more – discover important details in our annual and risk reports.

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