Category: Articles Published by Horst Team

March 29, 2024
Insurance To Value: What is it, and Why is it Important – by Peter Crowe
Author - Peter Crowe, Account Executive - Horst Insurance If you or your business owns any property, you may have heard the term Insurance To Value (ITV). But what…

February 23, 2024
Tom Schneider: Manufacturers E&O Insurance & Common Claims
Author - Tom Schneider, Account Executive - Horst Insurance Introduction: Manufacturers Errors and Omissions (E&O) insurance is a crucial component for businesses involved in the manufacturing industry. This type of…

January 26, 2024
Eric Kyler Discusses Demystifying the Hammer Clause
Author - Eric S. Kyler, Account Executive, Horst Insurance Introduction: In the intricate landscape of insurance policies, the Hammer Clause stands out as a provision with profound implications. But what…

February 26, 2019
PA Executive Officer Exemption Under Workers’ Compensation
Author – David C. King, President & CEO, Horst Insurance Horst Insurance regularly assists clients in designing insurance verification procedures for businesses hiring service providers and subcontractors. It is…

January 03, 2017
PCRB Gets Tough on Audits Effective 01/01/17
Author - G. David Ament, CIC, Account Executive, Horst Insurance Generally, an auditable insurance policy, such as Workers’ Compensation or General Liability, includes a provision in the contract wording…

November 05, 2015
49 CFR Parts 300-399 (DOT/CMV) Regulations
Author - Ryan K. Thowson, Risk Control Specialist, Horst Insurance Most of us have seen the “USDOT” (U.S. Department of Transportation) numbers on the sides of large, commercial motor…

October 15, 2015
Criminal Background Checks Can Impact Your Employee Dishonesty Coverage
Author - David C. King, President & CEO, Horst Insurance There is no argument that a well managed criminal background check can and is an important element in your…

August 13, 2015
Worker Misclassification
Author - David C. King, President & CEO, Horst Insurance A recent “Administrative Interpretation” (No. 2015-1) by the U.S. Department of Labor Wage and Hour Division will have a…

August 06, 2014
Cyber / Internet Liability
Author - Linda Bell, Account Executive, Horst Insurance Posted - August 6, 2014 The Internet’s development has created a virtual wonderland of possibilities for everyone. We can “Google” anything we…

April 30, 2014
What to Look for When Shopping for an E&O Policy
Author - Thomas R. Schneider, Account Executive, Horst Insurance There are many factors to consider when looking into Title Agents Errors and Omissions Insurance. Of course, the coverage, limits…

March 04, 2014
Reimbursement of Defense Costs a Reality in PA
Author - David C. King, President & CEO, Horst Insurance Commercial General Liability insurance is designed to protect your business assets in the event of an allegation that you…

February 07, 2014
It Sometimes Helps to Seek a Broader Perspective
Author - David C. King, President & CEO, Horst Insurance Pricing for Commercial Property & Casualty Insurance continues to rise, albeit at a slower pace. And, while we certainly…