Horst Insurance

Happy Columbus Day!

"Leaf" it to the professionals at Horst Insurance to help you with all of your insurance needs.

https://www.horstinsurance.com/

Baking, Baskets & a Whole Lot of Heart! ❤️

Our Employee Engagement Committee hosted a Bake Sale & Basket Raffle today, with all proceeds benefiting the Lancaster Heart Walk!

A big thank you to everyone who baked, donated, purchased treats, entered the raffle, and helped make the event a success. Every contribution supports a cause that is close to our hearts.

Next up, Team Horst Heart & Sole will be putting our best foot forward at the Lancaster Heart Walk on October 17! 👟❤️

We’re proud of our team for coming together to make a difference in our community!

Think your benefits haven't changed? Think again.

Each year, employers, insurance carriers, and the IRS make updates that can impact your costs, coverage, and savings opportunities. A plan that worked well last year may not be the best option this year.

As you review your benefits, be sure to look for:

✅ Changes to premiums and deductibles
✅ Updated HSA and FSA contribution limits
✅ New voluntary benefits and wellness programs
✅ Changes to provider networks and coverage options
✅ Discontinued plans or benefit offerings
✅ Expanded mental health and telehealth resources

A few minutes spent reviewing your options now could help you avoid unexpected expenses and maximize your benefits throughout the year.

Don't treat open enrollment as a routine task. Treat it as a financial and healthcare checkup.

Evan Horst, Commercial Insurance Account Executive, discusses one critical aspect that is often overlooked during a business sale is the impact on the company’s insurance program. Planning for insurance needs early helps prevent coverage gaps during the transition.

https://horstinsurance.com/i-am-selling-my-business-i-probably-need-to-do-something-with-insurance-right/

Our very own Natalie Jenkins from our Employee Benefits team represented Horst Insurance at the 2026 Chamberpalooza at Mount Hope Estate & Winery. What a great opportunity to connect with professionals from across the region, strengthen relationships, and enjoy an evening of community and conversation!

We’re not a toll-free number with unknown people on the other line. We’re your neighbors. We’re a local call or short drive away for when you need us. And Horst can manage all of your personal insurance needs – today and in the future as your family and lifestyle changes.
https://www.horstinsurance.com/personal-insurance/

💧 Water damage doesn't end when the water is removed.

In commercial buildings, mold can begin growing within 24 to 48 hours after a water event, turning a manageable loss into a costly remediation project. Beyond property damage, mold can impact indoor air quality, occupant health, and potentially create liability concerns for businesses.

To reduce mold risks:
✅ Respond to water intrusion immediately
✅ Remove standing water and begin drying quickly
✅ Inspect hidden areas for trapped moisture
✅ Monitor HVAC systems and indoor air quality
✅ Document all damage and mitigation efforts

Taking action during the first 72 hours can help prevent mold growth, minimize repair costs, and protect your property and operations.

It's what we do at Horst Insurance - Protecting What Matters To You!

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