Whether you are an owner-managed garden center or a retail nursery – we bear the risks so that you can concentrate on what really counts: the needs of your customers.
Protection for your garden center.
Your product range – our insurance solution.
What would you like to insure?
Are you looking for the right insurance cover for your garden center? And you would like individual advice to find a tailor-made solution? Our risk consultants will be happy to assist you!
Plant cultivation
Your plants in the greenhouse are also exposed to numerous hazards. We therefore offer comprehensive insurance coverage for your plant and vegetable production in glass or poly greenhouses or polytunnels. And we also insure the plants that are affected subsequent to any damage: For this purpose, the full insurance sum is made available once again within a period of twelve months. You decide the scope of coverage appropriate for your needs on site together with your consultant. To ensure optimal protection for your valuable plants.
Your insurance coverage against damage caused by:
Businesses that have insured greenhouse plants usually also insure greenhouse facilities.
Greenhouses
Roofing / Construction
Unforeseeable events can damage your greenhouses. Technical problems also pose a threat to your facilities. Protect your glass or poly greenhouses, roofing materials and screen systems, as well as the entire greenhouse structure and technology. With this module, you can be sure that any damage will be repaired as swiftly and as effectively as possible.
Your insurance coverage against damage caused by:
Businesses that have insured greenhouse facilities usually also insure Facilities and equipment / Goods and supplies.
Facilities and equipment / Goods and supplies
Equipment stored in damaged greenhouses and business premises (office inventory, cold rooms), as well as goods and supplies (packaging, fertilizer, pots) are important production factors. Likewise items designated for sale, finished and unfinished plant products or packaging materials. Damage or loss of these items can also be covered.
Your insurance coverage against damage caused by:
Businesses that have insured facilities and equipment / goods and supplies usually also insure Maschines / Equipment.
Machines / Equipment
For your business to operate, you need to be able to rely on your machines. Machine downtime poses great risks to your plants. The high costs for replacement and repair can endanger your livelihood. Protect your combined heat and power plants, potting machines, heating systems, electronic control systems or sorting and packaging machines against natural hazards and fire as well as material damage and functional impairment.
Your insurance coverage against damage caused by:
Businesses that have insured machines / equipment usually also insure Business Interruption.
Business interruption
If your regular business operations are interrupted due to an insured event of damage, loss of revenue is usually unavoidable. With the Business Interruption module, you can bridge the gap until regular operations are resumed. Compensation is paid for lost revenue and ongoing costs. Which allows you to focus on what’s most important in this situation: getting the downtime resolved.
Your insurance coverage against damage caused by:
Businesses that have insured business interruption usually also insure Cyber Risks.
Cyber risks
Young plants not only need to be nurtured, but also protected from viruses, pests, and other environmental hazards in order to grow into healthy plants. Your data and IT systems are just as sensitive to attacks originating from the internet. One in four companies has already been subjected to cyber warfare. Our protective shield will keep you safe from viruses and cyberattacks.
Your insurance coverage against damage caused by:
Businesses that have insured cyber risks usually also insure Greenhouse Plants.
Our consultancy services are what set us apart.
Together with our experts in the field, we will find the best solution for you.
Initial contact
Meeting someone for the first time is always something special. That’s why our consultants look forward to getting to know you and your company – with no obligations and no pressure to make immediate decisions.
Preliminary
assessment
Once you have had the opportunity to gain an impression of our expertise, we will take a detailed look at your company and your processes on site.
Risk analysis and prevention consulting
Providing you with protection is our main priority: we analyze your individual risks and give you helpful tips with regard to risk prevention.
Personal offer and insurance
Based on your personal risk assessment, we will select the ideal modules for you from our customized offer and provide you with tailor-made insurance cover.
Support services and claims management
Our mission is to guarantee sustainable and trust-based support and to provide you with the fastest and most effective assistance in the event of a claim.
Who can take out insurance with Gartenbau-Versicherung?
We insure companies along the entire value chain of the horticultural sector – from seedling growers and production nurseries to garden centers and florists.
What insurance solutions do HORTISECUR G, HORTISECUR F and HORTISECUR Cyber offer?
HORTISECUR® G, our modular multi-risk insurance policy, was specifically developed for horticultural businesses with greenhouse cultivation, retail nurseries, garden centers and flower stores. HORTISECUR® G protection covers weather-related risks such as hail, storms and snow pressure, but also fire, technical failures and damage caused by mains water or burglary.
With HORTISECUR® F, we offer horticultural businesses with open-field cultivation a comprehensive insurance concept. Open-field multi-risk insurance was designed to respeond to the increase in severe weather-related damage to open-field crops. The higher risk due to the extensive use of technology is also taken into account, as are losses due to fire, lightning and explosions.
With HORTISECUR Cyber, we offer you a protective shield against viruses and cyberattacks. HORTISECUR Cyber is characterized by a modular structure: Protection against damage caused by cyberattacks, first-party damage and ransomware is the basis of this insurance product and is included in every policy. Four optional modules provide additional protection.
We also provide tailor-made insurance solutions for your protected cultivation.
What happens when a claim is submitted to Gartenbau-Versicherung?
In the event of a claim, it is vital to receive immediate assistance from your insurance company and that your claim is processed quickly and unbureaucratically. Your local advisor will carry out an initial damage assessment within 48 hours. Our emergency assistance ensures that you remain solvent and can concentrate on the essentials: Getting your business up and running again.
How can I be sure that I can rely on my advisor?
Our core competency is to identify, assess and mitigate the risks unique to horticulture. In order to achieve this, it is essential to have a highly qualified team with in-depth knowledge of the industry. All our advisors have completed vocational training and/or obtained a degree in horticulture. Together with insurance know-how and many years of experience, the result is unique expert knowledge. Depending on the damage, a specialist may also be consulted during the assessment. A total of 200 gardeners help us to assess damage, working as voluntary and independent experts.
What does Gartenbau-Versicherung's prevention advice involve?
Providing our members with advice on active risk management in their businesses is part and parcel of our services. Right from the early planning phase for a new investment, our field staff provide advice on the best choice of materials, technical equipment and the use of safety equipment. Thanks to their training and experience in horticulture, they are well placed to assess these risk factors. Only after completing the risk analysis and providing advice on risk minimization does your advisor begin the actual consultation on business insurance.
Your contact person is looking forward to hearing from you.
Our regional team of experts will be happy to help you.
You would like to report loss or damages?
Contact your risk advisor or submit a claim using our online form. Once we have received the notification of your claim, we will process it and contact you as quickly as possible.
Submit a damage reportIn the event of a claim, we are here to help.
Fast and unbureaucratic.
In the event of a claim, you need your insurance company to process your claim swiftly and unbureaucratically and provide immediate assistance.
Three things our members can count on:
Personal assistance provided by a direct contact person.
Initial damage assessment within 48 hours.
Unbureaucratic immediate assistance, e.g. liquidity within 7 days.
Stefan Gerritzen
Director – Gartenbau Stefan Gerritzen
“Thank you for dealing with everything at such lightning speed and for the excellent service you provide.”
Multiple risk insurance NRW
Stephan Bäcker
Owner – Bäcker’s Erdbeer -und Spargelhof
“Thank you for being such an excellent partner, it’s good to know you’re there.”
Snow damage, Münster, February 2021
Johannes Bode
Junior Director – Gärtnerei Bode
“We were always very satisfied with your services, especially during those tough times when our business was in ruins.”
Hail damage, July 1992
Bernd and Michael Liebl
Management – Liebl Gartenbau
“Always there when you need them.”
Damage to technical equipment, December 2021
Knowledge shared is knowledge doubled.
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