Overview

• The Agriculture Ministry confirmed it is examining support from the Agrarian Structure and Coastal Protection fund for a unified Mehrgefahrenversicherung, with no program details released.
• Germany’s current support is fragmented by state, with uneven eligibility and rules; Bavaria runs the most comprehensive model after pushing a federal co-financing bid in 2019.
• The German Farmers’ Association urges the federal government to cover at least 50% of premiums for risks such as late frost, heavy rain, drought, and storms.
• Insurers advocate a single national framework to replace disparate state schemes, warning that multiple designs drive up costs and complicate IT implementation, and they argue arable crops should be included.
• Other EU countries already subsidize multi-peril cover and states often pay about 70% of premiums; researchers also report persistent soil-water deficits and the environment agency is preparing water-scarcity guidance with some regions already limiting withdrawals.