Many horticultural businesses are increasingly investing in photovoltaic systems (PV systems). We offer extended insurance cover for these systems, including new technologies such as battery storage systems, accumulators, dedicated transformers and permanently installed charging stations for electric vehicles.
Our insurance coverage for your photovoltaic systems.
The best protection for your technology.
What would you like to insure?
Protect all your different PV systems with our modular solutions for ideal risk protection.
PV systems on buildings and greenhouses
Unforeseeable events can lead to increased costs, such as the purchase of additional electricity, which is included in our insurance coverage. Another plus: residual debt cover applies in the event of a total loss. PV systems on retrofitted greenhouses are also insurable.
Your insurance coverage against damage caused by:
We also provide insurance coverage for your greenhouses and business premises.
Agri-photovoltaic systems
We also offer a comprehensive risk package as insurance coverage for agricultural PV systems where grain, vegetables or fruit are produced under a greenhouse-like construction with PV modules installed on top.
Your insurance coverage against damage caused by:
We can also insure the weather protection systems you use in your fruit orchards.
Allow us to inform you.
About our insurance coverage for your photovoltaic systems.
Risk consultant Klaus Bingel explains the benefits and risks of PV systems on greenhouses and what you need to look out for when taking out insurance. If you have any questions, please do not hesitate to contact us via our website or by telephone. And you can find more information in our brochure no. 37 “Contributing to operational safety”.
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.
Two heads are better than one.
Benefit from our collective knowledge.
As a specialist for horticulture in Europe, Gartenbau-Versicherung cooperates with Vereinigte Hagelversicherung specifically for the area of protected cultivation.
Together, we stand for financial security, uncomplicated consulting services in a spirit of partnership, and fast, unbureaucratic assistance in the event of damages.
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.
Highlighted topics: interesting facts and helpful information about horticulture.
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