Horticulture Insurance

The firm writes specialized crop insurance for commercial horticulture — greenhouses, nurseries, tree farms, and perennial-plant operations. Perils covered include hail, frost, storm, and other weather events that damage high-value plant stock. The underwriting footprint is concentrated in Germany, the Netherlands, and Belgium.

Gartenbau-Versicherung does not maintain a separate asset-management subsidiary. It invests through Euresa, the alliance of European mutual and cooperative insurers that pools capital for joint investment programs and shared research. This gives the firm exposure to private-market assets — particularly infrastructure and real estate — that match its long-dated insurance liabilities.

Yes. The firm operates inside the AGRORISK Group, a network of specialized agricultural mutual insurers. Its closest strategic partner within AGRORISK is Vereinigte Hagelversicherung VVaG, the German hail-insurance mutual. The group structure pools reinsurance and catastrophe capacity while keeping underwriting inside narrow sector-focused entities.

The firm is organized as a VVaG — a German mutual insurance association — meaning policyholders are the owners. Christian Senft chairs the management board as Vorstandsvorsitzender, Dr. Dietmar Kohlruss serves as CFO and board member, and Frank Werner chairs the supervisory board.

No direct allocation has been disclosed publicly. The Euresa-aligned approach favors private-market investments — European infrastructure and direct real estate — that align with the duration profile of multi-year horticulture insurance policies. The mutual structure also removes shareholder-return pressures that typically push general-account insurers toward liquid public markets.