Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Pennsylvania
Horst Insurance has served residents and businesses in Pennsylvania for over a century, offering tailored insurance solutions and risk management services. As an independent agency, we partner with more than 30 regional, national, and global insurers to provide customized commercial and personal insurance policies. Our team of 40+ professionals focuses on commercial insurance, employee group benefits, and personal coverage for homes, vehicles, and families. Part of the fifth-generation Horst Group, Inc., we combine deep industry expertise with a commitment to becoming trusted advisors for every client.Our services include risk reduction programs, 24/7 claims support, and comprehensive coverage options for businesses of all sizes. With offices in Lancaster and Chadds Ford, we serve eight Pennsylvania counties while maintaining a local, community-focused approach. Our history dates back to 1917, when we began building relationships with insurers and clients that continue to define our service philosophy today.
Services
Commercial Insurance
Personal Insurance
Risk Management
Employee Benefits
Workers Compensation
Property Insurance
Auto Insurance
Homeowners Insurance
Medicare Supplemental
Travel Health Insurance
Details
- Year established: 1917
Highlights and features
- We offer over 100 years of insurance expertise serving Pennsylvania businesses and families
- Our independent agency status provides access to 30+ top-tier insurance carriers
- 24/7 claims support through dedicated carrier hotlines and online reporting systems
- Local Pennsylvania offices in Lancaster and Chadds Ford with regional expertise
- Comprehensive risk management programs beyond standard insurance offerings
What people say
Knowledgeable staff
Personalized service
Comprehensive coverage
Responsive claims handling
Local expertise
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions tailored to Pennsylvania businesses of all sizes. Our offerings include property, liability, automobile, umbrella, workers' compensation, and cyber liability coverage. With access to 30+ top-tier carriers, we create customized protection plans that address specific business risks while helping clients reduce total cost of risk through proactive risk management strategies.
Personal Insurance
Our personal insurance services protect individuals and families across Pennsylvania with homeowners, auto, boat, RV, and umbrella policies. We specialize in identifying coverage gaps in existing policies and providing solutions that fully protect clients' assets. As a local independent agency, we offer personalized service and access to multiple carriers to ensure optimal coverage at competitive rates for both standard and high-wealth clients.
Risk Management
Our risk management services help Pennsylvania businesses identify and mitigate potential threats through a structured approach of discovery, design, implementation, and continuous improvement. We focus on enhancing workplace safety, improving regulatory compliance, preparing for audits, and reducing overall risk exposure. These proactive measures help businesses maintain productivity and attract favorable insurance market terms through demonstrable risk reduction.
Employee Group Benefits
We offer comprehensive employee benefits solutions including health, dental, vision, life, and voluntary insurance plans. Our team assists employers with ACA compliance, benefits administration, and employee education to control costs while meeting workforce needs. With access to multiple carriers, we design customized benefits packages that attract talent and support employee wellness programs while providing 24/7 support for both employers and plan participants.
24/7 Claims Support
Our round-the-clock claims support ensures immediate assistance for policyholders through multiple reporting channels. Clients can access carrier-specific hotlines, online reporting systems, or direct phone support for urgent claims needs. This service includes after-hours emergency assistance and dedicated claims representatives who guide clients through the entire process from initial reporting to resolution, ensuring timely and effective claim handling.
Questions
What types of insurance does Horst Insurance offer?
We provide commercial insurance, personal insurance, employee group benefits, workers' compensation, property insurance, auto/home coverage, and specialized policies for high-wealth clients.
Why choose an independent insurance agency?
As an independent agency, we offer access to 30+ carriers, allowing us to find the best coverage options and competitive rates tailored to your specific needs.
Do you serve clients outside Lancaster County?
Yes, we serve eight Pennsylvania counties including Berks, Chester, Dauphin, Delaware, Lancaster, Lebanon, Montgomery, and York counties from our local offices.
How do I file an insurance claim?
Report claims through our 24/7 carrier hotlines, online CSR/24 system, or contact our office directly. We provide multiple reporting options for urgent and after-hours claims.
Are your services available after business hours?
Yes, we offer 24/7 claims support through dedicated hotlines and online reporting systems for urgent insurance needs outside regular business hours.
How does Horst Insurance handle risk management?
We use a structured approach of discovery, design, implementation, and continuous improvement to identify risks, enhance safety, improve compliance, and reduce overall business risk exposure.
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Reviews (2)
Kevin Murphy
Jun 17, 2021
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I always strives for the best of both worlds for our business and our employees.the best coverages provided by trusted carriers at the best premiums. The team at Horst Insurance delivers year after year by continuing to nurture our relationship and by providing me with the right options to protect our business.
A. Goddivus M.
Nov 29, 2018
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I love Tracy drom horst insurance she is always trying to find the best deals possible and won't stop until she does! She has a great personality as well! I will never go to anyone else for my insurance needs!
