Gartenbau-Versicherung

What Gartenbau-Versicherung does

Gartenbau-Versicherung VVaG is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1847 that specializes exclusively in providing tailored insurance coverage to horticultural businesses. Its portfolio comprises seven modular product lines — Gewächshaus (greenhouse and foil tunnel), Gartencenter (garden center), Freiland (open-field), Baumschule (tree nursery), Cyber (IT and data), Geschützter Anbau (protected cultivation infrastructure), and Photovoltaik-Anlagen (solar and battery systems) — supported by an online claims-reporting service and a self-serve member portal (Mein Mitgliederportal). The company is member-owned and is staffed by field-based risk advisors with practical horticultural experience, who provide on-site risk consulting and individualized policy underwriting.

The company generates revenue through recurring insurance premiums paid by member policyholders, with pricing individually quoted against each operation's risk profile and coverage needs and billed annually; the mutual structure means members are also owners rather than external shareholders. It acquires and serves members through a hybrid go-to-market model that combines direct sales by field risk advisors, a digital member portal, and curated national and international partner networks. Geographic reach extends across Germany and eight additional European countries — Greece, the Netherlands, Belgium, France, Poland, Luxembourg, Switzerland, and Italy — with localized partner support outside the home market.

The customer base is overwhelmingly composed of small and mid-sized family-operated horticultural businesses (greenhouses, nurseries, orchards, garden centers) across Europe, with only a handful of larger enterprises in the named-customer set. Marketing is multi-channel, spanning LinkedIn, YouTube, Instagram, Facebook, an email newsletter, and a content-rich corporate website covering risk prevention topics. Core technology is conventional insurance underwriting rather than a proprietary software platform; no AI, API, or patent portfolio is disclosed.

Name

Gartenbau-Versicherung

Legal name

Gartenbau-Versicherung VVaG

Website

https://gevau.com

Company type

Private

Founded year

1847

Operating status

Operating

Headcount range

51–100 employees

Short description

Gartenbau-Versicherung VVaG is a German mutual insurance association founded in 1847 that provides modular, individually underwritten insurance coverage — including greenhouse, open-field, nursery, cyber, and photovoltaic products — to horticultural businesses across Germany and eight European countries.

Ownership category

akta.pro rank

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: As a mutual insurance association (VVaG), Gartenbau-Versicherung generates revenue through insurance premiums paid by its member policyholders. Members pay premiums in exchange for coverage against branch-specific risks including natural hazards (hail, storm, flood, snow), fire, technical defects, and cyber risks. The mutual structure means members are also owners/stakeholders in the company.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gartenbau-Versicherung VVaG is a mutual insurance association providing specialized insurance coverage for European horticultural businesses. Its portfolio includes modular policies for greenhouse/foil tunnel operations, garden centers, open-field production, tree nurseries, protected cultivation infrastructure, photovoltaic systems, and cyber risks. Coverage is delivered alongside on-site risk advisory, prevention consulting, and unbureaucratic claims handling for member businesses across Germany and several European countries.

Product overview

Gartenbau-Versicherung operates as a specialized mutual insurance provider for European horticulture, offering a portfolio of modular insurance products. The core offering consists of seven specialized coverage types: Gewächshaus (greenhouse/foil tunnel insurance), Gartencenter (garden center insurance), Freiland (open-field production insurance), Baumschule (tree nursery insurance), Cyber (IT/cybersecurity insurance), Geschützter Anbau (protected cultivation insurance), and Photovoltaik-Anlagen (photovoltaic system insurance). These are complemented by member services including an online damage reporting system and a member portal. The products work together to provide comprehensive risk coverage across the full spectrum of horticulture operations from cultivation to retail, with individual risk management support and prevention services.

Differentiator

Problem solved

Functional benefit

Products and services

• Gewächshaus (Greenhouse Insurance)

Named customers12 records

Segments7 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• National PartnerscoreChannel Partner/ Reseller/ DistributorNational partner network supporting distribution and service delivery to horticulture businesses within Germany. Partners collaborate with the company for member acquisition and risk management consulting.
• International PartnerscoreChannel Partner/ Reseller/ DistributorInternational partner network serving horticulture businesses across European countries including Greece, Netherlands, Belgium, France, Poland, Luxembourg, Switzerland, and Italy. These partners enable the company to serve members outside Germany with localized support.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz: Global insurance giant with agricultural insurance lines (e.g., Allianz Agrar) and commercial property/casualty products serving horticultural businesses. Operates across the same European geographies but offers horticulture coverage as part of a much wider portfolio.
• R+V Versicherung: Large German mutual insurance group offering agricultural and commercial property coverage as part of a broad portfolio. Overlaps with Gartenbau-Versicherung in serving German agricultural businesses but is a multi-line generalist, not a horticulture specialist.
• Talanx / HDI: German insurance group (parent of HDI) underwriting commercial property and specialty lines including agricultural risks. Overlaps in serving German mid-market and SME horticulture accounts but competes through broader portfolio distribution.
• AXA: Major European/global insurer with agricultural and commercial property-casualty products serving SME horticulture operators in multiple European countries. Competes for the same end customer but without horticulture-exclusive specialization.

Others

• Munich Re: Global reinsurer that assumes agricultural and weather-peril risk from primary insurers including horticulture-focused mutuals. Functions as a capital provider behind primary carriers like Gartenbau-Versicherung rather than a direct competitor.
• Swiss Re: Global reinsurer with substantial crop and agricultural reinsurance books. Compares to Gartenbau-Versicherung on underlying peril exposure (hail, storm, drought) but operates upstream as a risk capacity provider.

Direct peers

• Vereinigte Hagelversicherung VVaG: German mutual insurance association (VVaG) specializing in hail and weather-risk insurance for European agriculture. The most direct comparable in structure (mutual), geography (Germany/Europe), and crop/weather peril focus.

Regional players

• Agroseguro: Spanish agricultural insurance pool offering combined crop/hail/storm coverage for Spanish farmers and horticulturalists. Highly comparable product set and mutual-pool structure but operates exclusively in the Spanish market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@gartenbau-versicherung
• Facebookfacebook.com/people/Gartenbau-Versicherung-VVaG/61554572610515
• LinkedInlinkedin.com/company/gartenbau-versicherung-vvag
• Instagraminstagram.com/gartenbau_versicherung

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gartenbau-Versicherung