Protecting your business’s assets and safeguarding your workforce.

Taking risks is part of doing business. And succeeding is hard enough without having to deal with unplanned issues that slow progress, gobble up cash, or worse, bring productivity to a grinding halt. We give you more control over situations to contain costs, reduce risk, save you time, improve productivity, and add stability to your operations.

RISK REDUCTION
Identifying risk and mitigating loss is the critical first step.

Our experts use a comprehensive Risk Reduction Approach of “discover, design, implement, and repeat” to enhance employee safety, improve compliance, prepare for audits & inspections, achieve long-term reduction in your total cost of risk, and make you more attractive to the insurance marketplace.

COMMERCIAL INSURANCE
Providing every aspect of commercial insurance you’ll need.

As an independent insurance agency, our team of commercial lines and employee benefits professionals has the support of more than 30 of the nation’s best insurance carriers to tailor coverage that fits your specific needs whether you’re a local retailer, regional service business, or a large, complex corporation.

EMPLOYEE BENEFITS
Navigating the complexities and shifting tides of compliance and benefits.

Working with you as an extension of your HR team, we provide solutions that save you time and help you control runaway costs. Whether it’s ACA, 401(k), COBRA, ERISA, or any other acronym, our benefits professionals know it and can navigate it. We assist with benefits administration and employee education so that employers and employees become better consumers of health care.

THE HORST VALUE
We’ve not only seen it all, we’ve helped businesses through it all.

Horst has been providing insurance, risk reduction programs, and employee benefits plans to businesses since 1917. When you select Horst Insurance, you get an experienced team of insurance professionals, risk reduction experts, health claims advocates, wellness & health resources, and 24/7 telephone customer service representatives. Learn more about our Value here.

We provide Commercial Coverage, including:

  • Commercial Property
  • Commercial Liability
  • Commercial Automobile
  • Commercial Umbrella Liability
  • Workers’ Compensation
  • Foreign Liability
  • Fiduciary Liability
  • Directors and Officers Liability
  • Employment Practices Liability
  • E-Commerce and Cyber Liability
  • Travel Health Insurance
  • Bonds/Surety
  • Risk Management Consulting

Commercial Coverage Carriers:

  • Acuity Insurance
  • BrickStreet Insurance
  • Chubb Group
  • The Cincinnati Insurance Companies
  • CNA Insurance Companies
  • Donegal Insurance Group
  • EMC Insurance Companies
  • The Hartford
  • Lackawanna Insurance Group
  • Liberty Mutual
  • Lititz Mutual Insurance Company
  • Millers Mutual Group
  • Nationwide Insurance
  • Philadelphia Insurance Company
  • PMA Insurance Group
  • Progressive Insurance
  • Selective Insurance
  • Travelers Insurance Company
  • Utica National Insurance Company
  • Westminster American Insurance Company
  • Zenith Insurance Company

We provide Employee Benefits, including:

  • Group Insured and Self-Funded Health Plans
  • HRAs & HSAs
  • Group Life
  • Group Vision
  • Group Dental
  • Pension, 401(k), and 403(b) Plans
  • Identity Theft Protection
  • Travel Health Insurance
  • Voluntary Benefits Plans
  • AD&D Plans

Employee Benefits Carriers:

  • Aetna
  • Ameritas
  • Capital Blue Cross
  • Cigna
  • Citizens Group
  • EyeMed Visions Care
  • Geisinger Health Plan
  • Guardian
  • Highmark BlueShield
  • ID Watchdog
  • Lincoln Financial Group
  • Meritain
  • MetLife
  • Mutual of Omaha
  • National Vision Administrators
  • Principal Financial Group
  • Prudential
  • Standard Insurance Company
  • Sun Life Financial
  • United Concordia Dental
  • United Healthcare
  • Unum
  • UPMC
  • Vision Benefits of America