Gartenbau-Versicherung was founded in 1847 by horticulturists for horticulturists and traded as Deutsche Hagel-Versicherungs-Gesellschaft a. G. für Gärtnereien usw. zu Berlin. Its essential task and objective was to guarantee nurseries the best possible insurance cover at the most favourable conditions. Guided by this task, Gartenbau-Versicherung has been a successful special insurer for the horticultural sector since its establishment.
As a mutual insurance association, the founding motto: "One for all and all for one" is still relevant today. This is seen in particular in the work of its co-determination bodies. Each policyholder is a member with equal rights and a quasi-owner. Through the self-determination through their elected bodies - the members' representatives meeting and the supervisory board - members can influence fundamental decisions regarding corporate policy. The members' representatives and the supervisory board include important personalities and experienced entrepreneurs in the horticultural sector. All entrepreneurial decisions are taken in the internal bodies and by the executive board. The constant principle here is that of autonomy and independence from outside capital.
The type of claims settlement is also heavily characterised by the idea of reciprocity. For example, experienced company owners make their specialist knowledge available on an honorary basis.