Horst Insurance

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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Could an honest mistake put your commercial property insurance coverage at risk?

Many commercial property policies include a concealment, misrepresentation, or fraud clause that can affect coverage when material information is intentionally misrepresented or withheld, whether during the application process or a claim investigation.

✅ Complete applications carefully
✅ Keep claim documentation accurate and consistent
✅ Correct errors as soon as they're discovered
✅ Take sworn statements seriously

Providing accurate information at every stage is one of the best ways to avoid coverage disputes and protect your business when a loss occurs.

Chris Fantaski and Megan Shumaker represented the agency at the Manheim Chamber Fall Membership Dinner on September 9.

The event was hosted at Artifice Ales & Mead, a popular local craft brewery and restaurant located in the historic REO Manheim Marketplace in Manheim. The evening featured a relaxed and informal atmosphere, with picnic-style food provided by the venue.

In addition to networking with fellow Chamber members, attendees enjoyed learning the basics of axe throwing on Artifice's two dedicated lanes located at the rear of the property, adding a fun and interactive element to the event.

Overall, the dinner provided an excellent opportunity to connect with local business leaders and community members in a casual setting while supporting Chamber engagement efforts.

https://horstinsurance.com/
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https://www.manheimchamber.com/

Let's review your current auto policy. Visit us at https://www.horstinsurance.com/personal-insurance/.

2027 Open Enrollment may seem far away, but the most successful benefits strategies start now.
Research shows many employees spend less than an hour reviewing their benefits during open enrollment. That means employers have a limited window to communicate the value of their offerings and help employees make informed decisions.

As you prepare for the 2027 enrollment season, consider:

✅ Reviewing benefits to ensure they align with employee needs
✅ Gathering workforce feedback on the benefits employees value most
✅ Evaluating opportunities to enhance health, wellness, retirement, and financial well-being programs
✅ Developing a clear communication strategy that simplifies benefits decisions

A thoughtful approach to open enrollment can improve employee engagement, support retention efforts, and help employees maximize the value of their benefits.

The earlier you start planning, the better prepared your workforce will be.