What Hagelunie does

N.V. Hagelunie is a Dutch specialty insurance company and wholly-owned subsidiary of Achmea Group, focused exclusively on greenhouse horticulture. Founded in 1972 under its current name with roots tracing to 1811 mutual insurance foundations and 1908 horticulturalist-led glass insurers, the company operates from its Leiden headquarters and has more than 80 years of continuous activity in the vertical. Its core product is the Hagelunie Greenhouse Policy, a modular package delivered on a single document that combines seven interlocking covers: Greenhouses, Commercial Buildings, Other Structures, Inventory, Items in Stock, Crops in Greenhouses, and Business Interruption. Underwriting and risk advice are supported by a dedicated team of horticulture risk specialists and executive underwriters who conduct on-site risk inspections across Europe, Canada, and Australia.

Hagelunie distributes exclusively through curated broker networks in each country it serves, with 25+ named broker relationships spanning Belgium, Canada, the UK, Ireland, France, Germany, Spain, and Portugal, plus reinsurance-led entry into Australia via Achmea Farm Insurance. Marketing relies on industry trade shows (GreenTech, SIVAL, Fruit Attraction), LinkedIn, YouTube, and a quarterly newsletter emphasizing prevention content such as sprinkler systems and heatwave response. The company is structurally embedded in the greenhouse construction ecosystem through board and standards partnerships with HortiQ, KIWA, Glastuinbouw Nederland, Dutch Greenhouse Delta, and Protected Cropping Australia.

The business model is recurring annual insurance premiums on tailored, quote-based coverage for commercial greenhouse operators (tomato, strawberry, flower, and protected cropping growers). No revenue, headcount, or premium figures are publicly disclosed, and the entity is private with no stock exchange listing. Recent strategic activity centers on international expansion — notably a Canadian branch license obtained in 2023 and Australian market entry formalized in 2026 — alongside a leadership transition with Marie Groenhof appointed Global Head of Greenhouse Horticulture in mid-2023.

Name

Hagelunie

Legal name

N.V. Hagelunie

Website

https://hagelunie.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Hagelunie is a Dutch specialty insurer and Achmea Group subsidiary that underwrites modular multi-line insurance policies exclusively for greenhouse horticulture businesses, distributed via broker networks across 10 countries.

Ownership category

akta.pro rank

Product category

Greenhouse Horticulture Insurance

NAICS

Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industry

Horticulture, Nursery & Greenhouse Operations (EDAOAOAB)

Keywords

• Greenhouse insurance
• Horticulture insurance
• Crop insurance
• Risk advisory
• Business interruption

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Hagelunie generates revenue through insurance premiums for greenhouse horticulture businesses, offering tailored coverage for greenhouses, commercial buildings, crops, inventory, business interruption, and other structures. The company operates as part of Achmea Group, one of the largest insurance companies in the Netherlands.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels8 records

Core offering

Hagelunie provides specialized insurance coverage for commercial greenhouse horticulture businesses, with its core product being the modular Hagelunie Greenhouse Policy that combines coverage for greenhouses, commercial buildings, other structures, crops, inventory, items in stock, and business interruption on a single policy document. The company complements its policies with on-site risk inspections and advisory services delivered by horticulture risk specialists. Distribution is handled exclusively through a network of local and international insurance brokers operating in Europe, Canada, and Australia.

Product overview

Hagelunie is a greenhouse horticulture insurance company offering the Hagelunie Greenhouse Policy as its core modular product. The policy consists of seven interconnected insurance products: Greenhouses Insurance, Commercial Buildings Insurance, Other Structures Insurance, Inventory Insurance, Items in Stock Insurance, Crops in Greenhouses Insurance, and Business Interruption Insurance. These products are delivered on a single policy document and can be customized to fit the specific risks of each greenhouse business. The company operates across multiple regions including the Netherlands, Belgium, Canada, UK, Ireland, France, Germany, Spain, Portugal, and Australia, with regional variations of its insurance products adapted to local market requirements. In addition to its insurance products, Hagelunie provides risk inspections and advisory services to help growers manage risks and ensure business continuity.

Differentiator

Problem solved

Functional benefit

Products and services

• Hagelunie Greenhouse Policy A modular, tailor-made insurance package for greenhouse horticultural businesses that combines coverage for greenhouses, commercial buildings, other structures, crops in greenhouses, inventory, items in stock, and business interruption on a single policy document, with covers designed to fit together for each grower's operations.
• Glastuinbouwverzekeringen België (Greenhouse Insurance Belgium)

Quantifiable outcome

• In 65% of fire incidents, the fire is stopped after just one sprinkler head activates, and in 35% of cases, a second sprinkler helps.

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• Achmea Farm InsurancecoreStrategic or Co-development Partner · 1 January 2026Achmea Farm Insurance operates in Australia and works closely with Hagelunie to bring greenhouse horticulture expertise to Australian growers. Hagelunie provides greenhouse reinsurance to Achmea Farm Insurance, strengthening reinsurance capacity and supporting competitive pricing for local growers.
• Protected Cropping AustraliacoreStrategic or Co-development Partner · 1 January 2026The national industry body for protected (greenhouse) horticulture in Australia. Collaboration focuses on practical knowledge sharing between growers, clients and specialists on how to strengthen greenhouses, limit damage and help businesses better withstand extreme weather.
• Onlia (with Fairfax Financial Holdings)minorStrategic or Co-development Partner · 1 January 2018Founded in 2018 through partnership between Achmea and Fairfax Financial Holdings. Onlia is an online insurer working with InShared's platform, offering online car and household insurance for private customers in Canada.
• HortiQcoreStrategic or Co-development PartnerQuality certification system for greenhouse builders and installers. Hagelunie works closely with HortiQ to ensure reliable assessment of greenhouses and installations. Board member Bart Stengs represents Hagelunie in HortiQ.
• KIWAcoreTechnology or IntegrationIndependent quality assurance organization. Hagelunie integrates KIWA certifications in their risk assessments and advisory services for greenhouse construction and installations.
• Glastuinbouw NederlandcoreStrategic or Co-development PartnerThe leading entrepreneurial network in the Dutch greenhouse horticulture sector. Hagelunie's vision for the future aligns perfectly with Glastuinbouw Nederland's ambitions for sustainable and climate-neutral greenhouses.
• HortivationminorStrategic or Co-development PartnerHortivation has been actively cooperating on innovation for years, including through the Hortipower Innovation Programme, which strengthens cooperation between the public sector, companies, partners and growers.
• Dutch Greenhouse DeltaminorStrategic or Co-development PartnerDutch Greenhouse Delta brings together Dutch greenhouse horticulture expertise internationally. Hagelunie is a partner in this initiative to promote Dutch greenhouse knowledge globally.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Others

• Swiss Re: Global reinsurer providing capacity for specialty and agricultural lines. Comparable as the upstream risk-transfer counterpart enabling Hagelunie's underwriting capacity, particularly relevant for catastrophic storm and crop exposures.
• Munich Re: Global reinsurer providing agricultural and commercial property reinsurance capacity to insurers like Hagelunie. As a likely counterparty on Hagelunie's reinsurance panel, it is a critical upstream ecosystem participant rather than direct competitor.

Broad incumbents

• Zurich Insurance Group: Global multi-line insurer with a well-developed agricultural and commercial property book. Competitor for large greenhouse/horticulture accounts particularly across Europe, where Hagelunie also operates through brokers.
• Allianz Group: World's largest P&C and agricultural insurer through Allianz Commercial and AGCS. Provides competing broadline specialty capacity and reinsurance depth to Hagelunie's broker-network channels.
• AXA Group: Large multi-line insurer with agricultural and commercial property capabilities globally. Competes with Hagelunie via subsidiaries such as AXA Climate, parametric, and crop insurance products.
• Achmea Group: Parent company and largest Dutch insurer with 13M+ clients globally, serving general P&C, health, life, and banking. As Hagelunie's parent and broader portfolio incumbent, Achmea provides the capital base and operational substrate within which Hagelunie's specialty unit operates.

Direct peers

• Farm Bureau Financial Group: US farm and ranch property/casualty insurer serving agricultural clients. Closely comparable in vertical focus (specialty farm coverage), distribution (independent agent/broker model), and mutual-affiliated heritage.
• NFU Mutual: UK mutual insurer specialized in farming, rural, and commercial agricultural risks. Most direct functional peer to Hagelunie given mutual heritage, agricultural specialization, and broker-led distribution model.
• Rural Mutual Insurance Company: Wisconsin-based mutual P&C insurer specializing in farm, agriculture, and rural commercial risks. Directly comparable to Hagelunie as a regional mutual serving a specific agricultural subsegment through agency distribution.
• FMH (Farmers Mutual Hail Insurance Company of Iowa): US mutual specialty crop and hail insurer serving farmers since 1893. Directly comparable to Hagelunie's focus on named-peril coverage (hail, crop damage) and mutual/cooperative model anchored in agricultural heritage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Hagelunie_Together
• LinkedInlinkedin.com/company/acranom-masonry

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

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 Hagelunie