What is Greenhouse Insurance?

Protected cultivation (greenhouse farming) is one of the branches of agriculture requiring the highest investment costs. Establishing a modern greenhouse per acre requires significant capital and engineering work. However, this massive investment can turn into a pile of scrap overnight if plastic covers are torn in a severe storm or if the iron skeleton collapses under heavy snowfall. Greenhouse Insurance is a specialized type of insurance offered under TARSİM that covers not only the plants inside but the greenhouse itself (glass, plastic, skeleton, heating systems, etc.).

As Panacea Insurance, we stand by all our greenhouse growers from Antalya to Mersin, and from Izmir to Yalova. All greenhouses, whether modern or traditional, registered in the Greenhouse Registration System (ÖKS), can have this protective shield with state support.

Why Should You Insure Your Greenhouse?

Unlike open-field farming, risks in greenhouse cultivation are two-layered:

• Structural Risk: Breaking of glass in a storm, plastic blowing away, or bending of the skeleton. Repairing these damages is extremely costly.
• Crop Risk: When a greenhouse is damaged, the delicate products inside (tomatoes, peppers, bananas, etc.) are exposed to external weather conditions and freeze or spoil. The insurance covers both construction costs and crop loss.

What Does the Policy Cover?

Greenhouse Insurance, without distinguishing between “Structure” and “Crop,” covers the following hazards based on the risk inspection results:

• Hail: Glass breakage, plastic puncture, and crop damage.
• Storms and Tornadoes: Blowing away of cladding materials and destruction of the skeleton.
• Snow and Hail Load: Collapse of the construction due to accumulation on the roof.
• Fire: Electrical short circuits or fires from external sources.
• Landslides, Earthquakes, Floods, and Inundation: All destruction caused by natural disasters.
• Vehicle Impact: Damages caused by vehicles crashing into greenhouses located near roads.
• Debris Removal: Costs required for cleaning up a collapsed greenhouse.

2026 TARSİM Greenhouse Innovations

TARSİM makes regulations in favor of the farmer every year. The most important developments for our greenhouse growers for 2026 are:

• “Storm” Coverage for the 5th Risk Category: Storm Coverage has now been added to greenhouses in the 5th risk category (simpler structures), which were previously not given storm coverage because they were considered too risky. This is revolutionary for many small producers.
• Increased Tolerance: Measurement tolerance in risk inspections has been accepted as 10%, reducing bureaucratic hurdles.

Glass vs. Plastic Greenhouse Differences

The cladding material of your greenhouse is important when taking out insurance:

• Glass Greenhouses: Glass must be intact before the policy starts. Cracked or patched glass is not covered in the event of damage.
• Plastic Greenhouses: The age and quality (UV-added, etc.) of the plastic are vital. Very old and worn plastic may not be accepted for insurance or a deductible may be applied.
• High Tunnels: These are evaluated under greenhouse status, and both the cladding and the crop are insured.
• Low Tunnels: Only the crop inside can be insured (against risks like frost and hail); the cladding material is not included in the scope.

Do You Practice Open Field Farming?

If you also produce in open fields next to your greenhouse (wheat, corn, orchards, etc.), these products are not covered by Greenhouse Insurance. You must take out Crop Insurance for your open-field products. Together, these two policies provide full protection for your farm.

Application and Risk Inspection Process

The process in greenhouse insurance works slightly differently than in other branches. “Risk Inspection” is mandatory:

1. ÖKS Registration: Your greenhouse must be registered in the Ministry of Agriculture and Forestry Greenhouse Registration System (ÖKS).
2. Application: Submit your application to Panacea Insurance.
3. Adjuster Visit: An adjuster appointed by TARSİM visits your greenhouse. They check the integrity of the greenhouse, its materials, and compliance with technical conditions (wind resistance, etc.).
4. Approval and Policy: If the adjuster’s report is positive, your policy is issued with a 50% state subsidy. If the report is negative, correction of deficiencies is requested.

Which Situations are Paid?

Examples for a clear understanding of coverage:

Situation	Coverage Status
Glass Breaking due to Hailstorm	✅ Paid
Roof Collapse due to Snow Weight	✅ Paid
Plastic Tearing in a Storm	✅ Paid
Damage to an Already Cracked Glass	❌ Not Paid (Pre-existing Damage)
Fire in a Warehouse Outside the Greenhouse	❌ Not Paid (Outside Greenhouse Scope)

You can find detailed information about greenhouse technical conditions and state subsidy rates on the official TARSİM (Agricultural Insurance Pool) website. Panacea Insurance, as an authorized TARSİM agency, secures your greenhouse.

In conclusion, Greenhouse Insurance is the main pillar of modern greenhouse farming. Leave the worry of “broken glass or flying nylon” behind, and focus solely on growing the highest quality produce.
With Panacea Insurance, may your greenhouse roof be solid and your earnings eternal.