News and Information

Employer Responsibilities in Winter Weather

Winter Weather

- Snow days were a highlight of winter when many of us were children, but now winter weather presents a host of difficulties for employers. There are safety concerns, OSHA regulations to comply with, potential liability risks, attendance confusion and pay-related … continue reading >

Limiting Social Host Liquor Liability

- A bartender is legally liable for serving alcohol to a patron who becomes intoxicated and then injures a third party. Does a business face a similar exposure when it hosts a social event where alcohol is served, such as an … continue reading >

Planning for the Flu Season

- Many employers may not realize the impact that the flu season can have on their company. If a major influenza outbreak hits your community, you may face highly elevated employee absenteeism rates, which could lead to business interruption and lost … continue reading >

Paying PCORI Fees – Corrections and Amendments

- The Affordable Care Act (ACA) imposes fees to fund comparative effectiveness research on health insurance issuers and self-funded plan sponsors. These fees are widely known as Patient-Centered Outcomes Research Institute fees (PCORI fees), although they may also be called PCOR … continue reading >

Horst Insurance Named in Best of Lancaster Readers’ Survey

- Horst Insurance was recently named in the 2014 “Best of Lancaster” Readers’ Survey.  Among other local Lancaster County insurance agencies, Horst Insurance ranked fourth. Congratulations to all Horst Insurance team members!  Without your hard work and dedication to the agency, this achievement … continue reading >

Winter Freeze Precautions

Frozen Pipe

- Too many businesses find themselves unprepared when normal winter weather suddenly turns extreme.  During a severe cold spell, sprinkler or water pipes can freeze, burst and produce devastating losses.  Water damage from this type of incident, known as a freeze-up, … continue reading >

Preventing Sprinkler System Freeze-Ups

- Introduction Cold weather brings the danger of impaired fire protection because of water freezing in sprinkler piping, underground mains, gravity suction tanks or fire pumps. Such freezing not only leaves a risk vulnerable to fire and damage to the building … continue reading >

Checklist: Boiler and Cold Weather Precautions

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Dry-Pipe Sprinkler Valve Heated Enclosure

- Data Sources: National Fire Protection Association (NFPA) Codes and Standards: NFPA 13 – Installation of Sprinkler Systems NFPA 25 – Inspection, Testing and Maintenance of Water-Based Fire Protection Systems Dry pipe sprinkler systems are designed for use inside buildings that … continue reading >

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