VEREINIGTE HAGEL

What VEREINIGTE HAGEL does

VEREINIGTE HAGEL (legal name: Vereinigte Hagelversicherung VVaG) is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1826 and headquartered in Gießen, Germany. The company specializes exclusively in crop insurance for the agricultural sector, providing coverage against yield and quality losses from weather perils including hail, storm, heavy rain, frost, and drought. It operates across multiple European countries — Germany, the Netherlands, Belgium (Flanders and Wallonia), Luxembourg, Lithuania, and Latvia — through country-specific websites, regional branch offices, and a network of field advisors (Berater).

The product portfolio centers on the Secufarm® brand, a registered trademark offering flexible multi-peril crop insurance packages. Secufarm® is delivered through regional variants such as Secufarm® 7 in the Netherlands and Secufarm® 6 in Flanders, supplemented by index-based drought add-ons including FarmIndex Dürre and Secufarm® Trockenheit Grünland (grassland index insurance). Customer-facing technology is anchored by the MeineVH online portal, which enables crop registration, damage reporting, policy document access, and weather data delivery via the VH Wetterservice. Distribution combines a field sales network of regional agricultural advisors with self-service digital channels and inside-sales quote-request workflows.

VEREINIGTE HAGEL generates revenue through recurring annual crop insurance premiums from its farmer-members, who collectively own the mutual entity. Pricing is quote-based and not publicly disclosed; premium subsidies of up to 63.7% in the Netherlands and 65% in Flanders (both 2026) materially lower effective farmer cost. The customer base spans five distinct crop verticals — arable farming, wine/hops/tobacco, fruit, vegetables, and specialty crops — with cereals as the most insured crop group. As a VVaG, the firm is governed by a Vorstand (Board) with spokesperson Dr. Philipp Schönbach and member Dr. Jan Keller, with regional branch leadership in the Netherlands (Jan Schreuder) and Luxembourg (Dr. Christian Kaiser, Peter Kohl). Supervisory authority is BaFin in Germany and the Commissariat aux Assurances in Luxembourg.

Name

VEREINIGTE HAGEL

Legal name

Vereinigte Hagelversicherung VVaG

Website

https://vereinigte-hagel.net

Company type

Private

Founded year

1826

Operating status

Operating

Headcount range

101–250 employees

Short description

VEREINIGTE HAGEL is a 200-year-old mutual crop insurer headquartered in Germany, serving European farmers across six countries with weather-peril coverage (hail, storm, frost, drought) through its Secufarm® brand, regional variants, and the MeineVH digital portal.

Ownership category

akta.pro rank

Product category

Crop Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

Keywords

• Crop insurance
• Agricultural insurance
• Multi-peril crop insurance
• Hail insurance
• Weather risk coverage

Headquarters

HQ city

Gießen

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Ernteversicherung (Crop Insurance) Premiums: VEREINIGTE HAGEL operates as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit - VVaG) collecting insurance premiums from members (farmers) in exchange for coverage against weather-related crop losses. Premiums are based on risk coverage selected (hail only vs. multi-peril) and crop types insured.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Vereinigte Hagelversicherung VVaG is a mutual crop insurer that underwrites multi-peril field crop insurance under the Secufarm® brand, covering hail, storm, heavy rain, frost and drought for arable, wine, fruit/vegetable and specialty crop operations across Germany and several European markets. Policies are sold to farmers through regional field advisors, country-specific subsidiaries and the MeineVH digital portal, with on-site claims adjustment by an in-house Sachverständige network.

Product overview

VEREINIGTE HAGEL operates as a leading specialized agricultural insurer offering a portfolio of crop insurance products centered on the Secufarm® brand. The core Secufarm® product provides classic weather-based crop insurance covering hail, storm, heavy rain, frost, and drought risks. This core offering is supplemented by regional variants (Secufarm® 6 for Flanders, Secufarm® 7 for the Netherlands) and specialized add-ons including FarmIndex Dürre for drought coverage and Secufarm® Trockenheit Grünland for grassland drought index insurance. The company also provides the MeineVH online customer portal for digital policy management and claims reporting, along with the VH Wetterservice for weather data access. Additional offerings include small farm insurance in Lithuania and the Agrar-Fotopreis photography competition as a community engagement initiative.

Differentiator

Problem solved

Functional benefit

Brands

• Secufarm®: Classic crop insurance product and successful component of agricultural risk management in Europe, providing coverage against hail, storm, heavy rain, frost, and drought.
• FarmIndex
• MeineVH
• Secufarm® Trockenheit Grünland
• Secufarm® 6
• Secufarm® 7
• VH Wetterservice
• Agrar-Fotopreis

Products and services

• Secufarm® Multi-peril crop insurance (hail, storm, heavy rain, frost, drought) for German arable farmers; the core Secufarm® offering.
• Secufarm® Trockenheit Grünland Index-based drought insurance for grassland / forage producers in Germany, paying out based on the FarmIndex drought indicator.
• FarmIndex Dürre Index-based drought insurance for arable crop farmers in Germany, leveraging the proprietary FarmIndex measure to trigger payouts.
• Smarte Mehrgefahrenversicherung Smart multi-peril crop insurance combining hail, storm, heavy rain, frost and drought in a single policy for German farmers.
• Ertragsschadenversicherung Yield-protection insurance compensating farmers for revenue/yield shortfalls caused by insured weather perils.
• Secufarm® 7 Country-specific Secufarm® variant for Dutch farmers, tailored to Dutch crop, subsidy and regulatory requirements.
• Secufarm® 6 Country-specific Secufarm® variant for Flemish (Belgian) farmers, tailored to Flemish crop, subsidy and regulatory requirements.
• Small Farm Insurance (Lithuania) Crop insurance product tailored to small Lithuanian farms, covering weather-related yield and crop losses.

Quantifiable outcome

• 63.7% government subsidy available for Netherlands farmers in 2026
• +2 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered minor.

• Lietuvos Respublikos žemės ūkio ministerija (Ministry of Agriculture of the Republic of Lithuania)minorOthersAgricultural ministry partnership in Lithuania for crop insurance development and promotion. Supports the implementation of agricultural insurance programs in the country.
• Lietuvos žemės ūkio bendrovių asociacija (Lithuanian Agricultural Companies Association)minorOthersPartnership with Lithuanian agricultural companies association to promote crop insurance among member farms.
• Lietuvos ūkininkų sąjunga (Lithuanian Farmers' Union)minorOthersCollaboration with Lithuanian Farmers' Union to support farmers with insurance solutions.
• Lietuvos Respublikos Žemės ūkio rūmai (Lithuanian Chamber of Agriculture)minorOthersPartnership with Lithuanian Chamber of Agriculture for agricultural insurance cooperation.
• Lietuvos daržovių augintojų asociacija (Lithuanian Vegetable Growers Association)minorOthersAssociation partnership supporting vegetable growers with specialized crop insurance solutions.
• VDU Žemės ūkio akademija (VMU Agricultural Academy)minorOthersAcademic partnership with Vytautas Magnus University Agricultural Academy for agricultural research and insurance knowledge development.
• Lietuvos agrarinių ir miškų mokslų centras (Lithuanian Centre for Agricultural and Forestry Sciences)minorOthersResearch cooperation with agricultural and forestry science center for crop insurance development.
• Ūkininko patarėjas (Farmer's Advisor)minorOthersPartnership with Lithuanian agricultural publication/media for information dissemination to farmers.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• R+V Versicherung: One of Germany's largest insurers with a dedicated agricultural line of business (R+V Agrar), competing directly in crop insurance while also offering a much broader P&C and life portfolio.
• Achmea: Major Dutch cooperative insurer (Interpolis/Avéro Achmea brands) offering agricultural insurance in the Netherlands, directly competing in VH's home Dutch market alongside its broader insurance portfolio.
• LVM Versicherung: German mutual insurer with a strong agricultural customer base among farmers, offering crop and farm insurance products alongside broader P&C coverage. Comparable mutual structure and German farmer focus.
• HDI Versicherung: German P&C insurer within the Talanx Group offering commercial and agricultural insurance, including crop products. Comparable as a broad-line P&C competitor with agricultural exposure in Germany and Europe.

Others

• Swiss Re: Global reinsurer with established agricultural insurance and reinsurance capabilities, supplying capacity to European crop insurers. Indirectly comparable as a major counterparty in the crop insurance value chain.
• Aon (Agricultural Insurance Brokerage): Global insurance broker with a dedicated agricultural practice placing crop insurance for large farming operations. Comparable as a distribution and advisory counterparty in European crop insurance markets.
• Munich Re: Global reinsurer with significant agricultural reinsurance business, providing capacity behind primary crop insurers like VEREINIGTE HAGEL. Relevant as a capital provider and indirect competitor shaping market pricing.

Direct peers

• NFU Mutual: UK mutual insurer serving the farming community with crop, livestock, and farm property insurance. Direct peer as another farmer-owned mutual with a similar agricultural specialization in a European market.
• Gartenbau-Versicherung VVaG: German mutual insurer (VVaG) specializing in horticulture and agricultural insurance, with deep overlap in crop coverage for German farmers. Highly comparable as another specialist VVaG in the German crop/horticulture market.

Regional players

• Münchener Verein Versicherungsgruppe: German mutual insurance group focused on craft, trade, and agricultural customers, with overlapping crop and farm insurance offerings in the German-speaking market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xxing.com/pages/vereinigte-hagelversicherung-vvag
• YouTubeyoutube.com/channel/UC72TVg2pEWSSJwt9xGei0zg
• Facebookfacebook.com/VereinigteHagel
• LinkedInlinkedin.com/company/vereinigte-hagelversicherung-vvag
• Instagraminstagram.com/VereinigteHagel

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 VEREINIGTE HAGEL