Südtiroler Hagelschutzkonsortium

What Südtiroler Hagelschutzkonsortium does

Südtiroler Hagelschutzkonsortium (HAKO), founded in 1973 and headquartered in Bolzano/Bozen, South Tyrol, Italy, is a mutual agricultural protection consortium that pools weather-related risk across the region's farming base. It serves 7,853 members, of which 5,379 farms hold active insurance coverage, and has issued 8,680 insurance certificates through partnerships with 19 insurance companies. The organization is run by a lean staff of 8 employees, reflecting the administrative, non-underwriting nature of the consortium model.

HAKO's core offering is structured as a multi-product platform rather than a single insurance policy. Members access insurance certificates, a Mutualitätsfonds (mutual fund) component, and weather data services through a unified digital services platform. The insurance certificates are issued in partnership with 19 external insurance carriers, meaning HAKO functions as the aggregating and intermediating entity rather than the risk carrier. The mutual fund and weather data services extend the value proposition beyond pure risk transfer into direct risk-sharing and operational decision-support for member farms.

The business model is a regional mutual: HAKO captures value through membership fees, mutual fund contributions, and service fees tied to certificate issuance and digital platform access, rather than through underwriting premiums. Its go-to-market is geographic and relational, anchored in the South Tyrol agricultural community and reinforced by institutional relationships with provincial insurance partners. This structure produces a stable, low-cost operating model but also concentrates the entire business inside one Italian province and one vertical (agriculture), with no disclosed geographic or vertical diversification.

Name

Südtiroler Hagelschutzkonsortium

Legal name

HAKO Schutzkonsortium Südtirol

Website

https://hagelschutzkonsortium.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Südtiroler Hagelschutzkonsortium is a Bolzano-based mutual agricultural protection consortium, founded in 1973, that aggregates 7,853 regional farm members to deliver hail insurance, a mutual fund, and weather data services through a digital platform and 19 insurance-company partnerships.

Ownership category

akta.pro rank

Product category

Agricultural Insurance

NAICS

Other Insurance Funds (525190), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Services-Membership Organizations (8600), Agricultural Services (700)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Agricultural insurance
• Crop hail protection
• Mutual fund services
• Weather risk management
• Agricultural consortium

Headquarters

HQ city

Bolzano/Bozen

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Insurance Services: Collection of insurance premiums from member farms, partnered with 19 insurance companies to provide coverage certificates. Farms pay premiums for crop and agricultural insurance protection.
2. Mutualitätsfonds (Mutual Fund): Member contributions to mutual fund (Fonds) for agricultural risk pooling, specifically for apple crops. Members contribute to collective fund for shared risk management.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

HAKO Schutzkonsortium Südtirol is a mutual agricultural protection consortium that provides insurance coverage, a Mutualitätsfonds (mutual fund), weather data services, and digital services to member farms in South Tyrol. It aggregates member farms to negotiate insurance terms with 19 partner insurance companies and pools collective risk through a member-funded mutual fund primarily covering apple crops.

Product overview

HAKO (Schutzkonsortium Südtirol) is an agricultural protection consortium offering an integrated suite of four core services: Versicherung (insurance), Mutualitätsfonds (mutual fund), Wetter (weather data), and Digital Services. The platform serves 7,853 members and 5,379 insured farms across South Tyrol, Italy, providing comprehensive risk management through partnerships with 19 insurance companies. The digital services component serves as the unified access point for managing all insurance certificates, fund memberships, and weather information.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Coverage provided to 5,379 insured farms through consortium-aggregated insurance certificates

Named customers1 record

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

One partnership is on record.

• 19 Insurance CompaniescoreOthersHAKO partners with 19 insurance companies to provide insurance coverage options for member agricultural businesses. These partnerships enable the consortium to offer diversified insurance products and negotiate favorable terms through aggregated member volume.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/s%C3%BCdtiroler-hagelschutzkonsortium

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 Südtiroler Hagelschutzkonsortium