Premier Regional Insurance Agency of PA

Horst Insurance is headquartered in Lancaster, PA, with a second office located in Chadds Ford, PA. Our driving focus is in providing outstanding personal and commercial insurance, group benefits, risk reduction programs, and industry-leading resources to the areas in which we live and work each day.

We are happy to provide excellence in insurance, risk management, and customer service to the following Pennsylvania counties: Berks, Chester, Dauphin, Delaware, Lancaster, Lebanon, Montgomery, and York.

LICENSED STATES

Horst Insurance is licensed in the District of Columbia and the following 45 states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Lancaster

Bonni M. AmandDDN: 717-581-9889Fax: 717-581-9812Email

Marie R. BeckerDDN: 717-665-8133Fax: 717-665-3515Email

Cheryl J. BitnerDDN: 717-581-9897Fax: 717-581-9812Email

Robert E. Cohan, Jr.Account ExecutiveDDN: 717-665-8143Fax: 717-665-3515Email

Robert E. Cohan, Jr., CPIA

Robert Cohan is an Account Executive headquartered in Lancaster, PA. He has been working in Personal Insurance since 2003. Bob works with individuals and families to protect their assets and manage their risks with complete personal insurance programs. His objective is to be proactive, responsive to client’s needs, and to make sure they have the proper coverage for their lifestyle and needs.

Education:

LaSalle College, Business Administration
Hopkins Training School
Sandler System Training
Insurance Agents & Brokers – Certified Professional Insurance Agent (CPIA) designation

Community:

Past President Harrisburg Elks #12
Wiliam Penn Association, Member

Peter C. CroweAccount ExecutiveDDN: 717-581-9879Fax: 717-581-9812LinkedInEmail

Peter C. Crowe

Peter C. Crowe is an Account Executive based out of our Lancaster, PA office and works with commercial property and casualty accounts. Peter’s expertise in addressing the “Total Cost of Risk” his clients face, along with his experience in risk management and risk transfer, help guide his client relationships which include manufacturing, service, higher education, and professional industry segments.

Peter joined Horst Insurance in 2007 as an Account Executive at our Chadds Ford branch, then transitioned to the Lancaster office in 2009.

Education:

Boston University – BS in Business Administration
Sitkins Producer Training School

Community Service:

The Birth Center – Past Board Vice President
CBMC of Lancaster – Leadership Team Member

Christopher J. FantaskiAccount AdvisorDDN: 717-581-9894Fax: 717-581-9812LinkedInEmail

Christopher J. Fantaski, CLCS, CISR Elite, CPIA

Christopher J. Fantaski is a Commercial Lines Account Advisor headquartered in the Lancaster, PA office and works primarily with select commercial property and casualty accounts. Chris’s ultimate goal is to understand the insurance exposures that face his “main-street” client-base and provide the coverage and services needed to protect their business.

Chris joined Horst Insurance in 2008 as an Account Administrator, moved to Account Manager in 2010 and became an Account Advisor in 2017.

Education:

Harrisburg Area Community College
Hartford School of Insurance – Commercial Lines Coverage Specialist (CLCS) designation
The National Alliance for Insurance Education and Research – Certified Insurance Service Representative Elite (CISR Elite) designation
Insurance Agents & Brokers – Certified Professional Insurance Agent (CPIA) designation

Kelli J. GarmanDDN: 717-581-9858Fax: 717-581-9812Email

Brett M. GlowatskiAccount ExecutiveDDN: 717-581-9890Fax: 717-581-9812LinkedInEmail

Brett M. Glowatski

Brett Glowatski is an Account Executive based out of our Lancaster, PA office and works with commercial property and casualty accounts across Central and Northern PA. Brett understands the market, which gives him the expertise to provide tailored coverage/risk management and navigate the complexities of insurance. He is passionate about helping businesses protect their assets and thrive in a competitive atmosphere, while understanding their overall goals and building long-lasting relationships.

Brett joined Horst insurance in 2024 as an Account Executive.

Education:

Bloomsburg University – Business Administration

Jody L. GraybillDDN: 717-581-9883Fax: 717-581-9812Email

Deborah R. GruelDDN: 717-665-8144Fax: 717-665-3515Email

Robin E. HilliardDDN: 717-665-8129Fax: 717-665-3515Email

Evan W. HorstAccount ExecutiveDDN: 717-581-9915Fax: 717-581-9812LinkedInEmail

Evan W. Horst

Evan W. Horst is an Account Executive based out of our Lancaster, PA office and works with commercial property and casualty accounts. As a former Sergeant in the United States Marine Corps, Evan’s expertise of small unit leadership, and making decisions in high risk situations helps his clients work through any problems that may arise. Evan’s expertise is focused on the aggregate hauling industry and as well as other types of businesses.

Evan joined Horst Insurance in 2020 as an Account Executive.

Education:

Temple University – Business Administration

Community Service:

ROOTED After School Program at Conestoga Valley Christian Community Services

Tracey E. HullDDN: 717-581-9927Fax: 717-581-9812Email

David C. KingPresident & CEODDN: 717-581-9880Fax: 717-581-9812Email

David C. King

David C. King is President and CEO of Horst Insurance. Dave specializes in complex commercial accounts where emphasis is placed on program design, master planning, and coverage consolidation. His clients’ insurance programs often include master policy programs involving multiple entities, locations and exposures, or alternative approaches such as captives or self-insurance. Dave’s skills include helping commercial clients assess and modify their risk management program, with an emphasis on business continuity planning.

In addition to his duties as President of Horst Insurance, Dave also serves as Corporate Risk Manager for Horst Group and its diverse set of Construction, Excavation, Property Management and Senior Living business units. As an active Risk Manager, Dave is able to constantly hone his insurance and risk management skills from both the buyer and broker perspective.

Education:

Franklin & Marshall College – BA in Government with an emphasis in Economics
Wharton School of the University of Pennsylvania – CHUBB Recognized Leader Program
Commercial Union Commercial Insurance School
Sitkins Sales Management School

Community Service:

Penn Medicine / Lancaster General Health – Patient Safety Committee
United Disabilities Services – Past Member of Board of Directors

Insurance Industry Service:

Donegal Group, Inc. – Current Member of Board of Directors
Millersville University Center for Disaster Research and Education – External Advisory Board
Insurance Agents & Brokers of Pennsylvania – Past Board Member
Peerless / Ohio Casualty Insurance Company – Past Agent Advisory Board Member
Hartford Insurance Company – Past Agent Advisory Board Member
Harleysville Insurance Company – Past Agent Advisory Board Member
Penn National Insurance Company – Past Agent Advisory Board Member
Fireman’s Fund Insurance Company – Past Agent Advisory Board Member

Articles Authored by Dave:
Worker Misclassification
PA Executive Officer Exemption Under Workers’ Compensation
Reimbursement of Defense Costs a Reality in PA
It Sometimes Helps To Seek a Broader Perspective
Criminal Background Checks Can Impact Your Employee Dishonesty Coverage

Eric S. KylerVice President - SalesDDN: 717-581-9885Fax: 717-581-9812LinkedInEmail

Eric S. Kyler

Eric S. Kyler is Vice President – Sales headquartered in Lancaster, PA. He works with commercial property and casualty accounts. Eric’s expertise lies in his ability to proactively advise clients and work with underwriters. His ongoing mission is to ensure Pennsylvania businesses are in robust insurance programs and receiving world-class service, all while reducing their total cost of risk. Eric specializes in the construction, manufacturing and non-profit sectors.

Eric joined Horst Insurance in 2017. He manages the Commercial Sales Team.

Education:

Kutztown University – Business Administration and Media
Cabrini College – Mathematics
Travelers Insurance Underwriting Professional Development Program

Community Service:

SmartHub Foundation – Board Member

Kessie L. LüscherDDN: 717-581-9868Fax: 717-665-3515Email

Robert W. MooreDirector, Farm & Agri-BusinessDDN: 717-665-8134Fax: 717-665-3515LinkedInEmail

Robert W. Moore, CIC, AFIS

Robert W. Moore is Director of Farm & Agribusiness headquartered in the Lancaster, PA office. Bob serves the property and casualty needs of farm and agribusiness clients, including production agriculture operations, stables, hobby farms and other specialty/niche risks. Bob is an experienced Federal Crop Insurance Agent. Bob joined Ruhl Insurance in 1994. Bob manages the Farm & Agribusiness Unit.

Education:

Millersville University – Bachelor of Science in Education Degree
The National Alliance for Insurance Education and Research – Certified Insurance Counselor (CIC) Designation
International Risk Management Institute, Inc (IRMI) – Agribusiness & Farm Insurance Specialist (AFIS) Designation

Crystal A. MuñozAccount AdvisorDDN: 717-581-9861Fax: 717-581-9812Email

Crystal A. Muñoz

Crystal A. Muñoz is a Group Benefits Account Advisor headquartered in the Lancaster, PA office. She works primarily with businesses in the 2-50 employee range. Crystal works closely with clients in ensuring not only their group benefits needs but also required compliance. Her group benefits experience and savviness with benefit administration platforms is an asset to our agency and clients.

Crystal joined Horst Insurance in January 2023.

Education:

Graduate of Full Sail University

Melanie L. PalmerDDN: 717-581-9959Fax: 717-581-9812Email

Joyce A. PfautzDDN: 717-581-9892Fax: 717-581-9812Email

Toni M. RiceDDN: 717-665-8122Fax: 717-665-3515Email

Susan D. RitcheyDDN: 717-581-9882Fax: 717-581-9812Email

Marissa S. RoweDDN: 717-581-9807Fax: 717-581-9812Email

Thomas R. SchneiderAccount ExecutiveDDN: 610-675-0340Fax: 610-459-9549LinkedInEmail

Thomas R. Schneider, CLCS

Thomas R. Schneider is an Account Executive located in the Chadds Ford, PA branch office and works with commercial property and casualty accounts. Tom strives to stay on top of the new risks his clients face in the marketplace, and he helps them manage those risks through customized insurance programs and risk management services. Tom specializes in insuring various types of businesses including manufacturers and distributors, specialty contractors, and health care.

Tom joined Horst Insurance in 2008.

Education:

West Chester University – BA in Liberal Arts
Sitkins Producer Training School
Hartford School of Insurance – Commercial Lines Coverage Specialist (CLCS) designation

Community Service:

The Major Jeffrey Toczylowski Foundation – President
Business Networking International (BNI) of Conshohocken – President

Articles Authored by Tom:
What to Look for When Shopping for an E&O Policy

Jennifer L. SchweitzVice President, Group BenefitsDDN: 717-581-9878Fax: 717-581-9812LinkedInEmail

Jennifer L. Schweitz

Jennifer L. Schweitz is Vice President of Group Benefits headquartered in the Lancaster, PA office. She specializes in working with benefit programs for employer groups with employee size ranging from 50 to 250. Jen works hard in implementing a unique approach to these size employer groups by providing many of the same important services that employers with over 250 employees receive.

Jen joined Horst Insurance in 2002. In addition to managing the Horst Insurance Group Benefits Department, Jen is also a member of the Horst Insurance Management Team.

Education:

University of Pittsburgh – BS in Business Administration

Community Service:

Developmental & Disability Services of Lebanon Valley – Board of Directors since 2005; Vice President of the Board of Directors since 2019

Pamela L. ShroyerDDN: 717-581-9958Fax: 717-735-0262Email

Megan E. ShumakerVice PresidentDDN: 717-665-8156Fax: 717-665-3515Email

Megan E. Shumaker, CIC

Megan Dourte Shumaker is a Vice President based in our Lancaster, PA office. Megan is responsible for growth and production in the Farm and Agri-Business unit. Relationship drives Megan’s approach to new business opportunities. A lifelong resident of Lancaster County, she has a deep appreciation for the agricultural community and works hard to ensure that she fully understands each client’s unique operations before carefully selecting the right insurer to meet those needs.

Megan previously worked alongside her father, Nevin Dourte, at Ruhl Insurance. Nevin and the entire Ruhl family dedicated decades of service to the farming and agriculture community, becoming widely known as the go-to agency for farm insurance. Following Nevin’s unexpected passing in 2023, Megan became President of Ruhl Insurance and eventually facilitated the merger between Ruhl and Horst, which was completed in March 2024.

Education

Messiah (College) University, Mechanicsburg, PA
The National Alliance for Insurance Education and Research—Certified Insurance Counselor (CIC) designation

Community Service

Elizabethtown Brethren in Christ Church—Church Librarian & Choir Pianist

Wendi L. SimetDDN: 717-581-9926Fax: 717-735-0262Email

Carrie A. StoughDDN: 717-581-9826Fax: 717-581-9812Email

Kristi A. WaltersDDN: 717-581-9853Fax: 717-581-9812Email

Renee A. WiltroutDDN: 717-581-9874Fax: 717-581-9812Email

Ann M. WolfVice President, Personal Lines/Client Services/Agency OperationsDDN: 717-581-9875Fax: 717-581-9812Email

Ann M. Wolf, CISR, CPIA

Ann M. Wolf is Vice President, Personal Lines/Client Services/Agency Operations headquartered in the Lancaster, PA office. She manages the agency’s Personal Insurance Department along with the service team for the Commercial Insurance team for the Lancaster office; and ensures that all customer service standards and workflows are consistently executed throughout the agency. She also is responsible for the accounting staff and the integrity of our accounting workflows; as well as all agency operations to include the agency’s operating system, computer hardware/software, company equipment and support staff.

Ann joined Horst Insurance in 1993. She was Director of Agency Operations and became Vice President of Personal Lines/Client Services/Agency Operations in 2011. She is currently a member of the Horst Insurance Management Team.

Education:

The National Alliance for Insurance Education and Research – Certified Insurance Service Representative (CISR) designation
American Insurance Marketing and Sales Society – Certified Professional Insurance Agent (CPIA) designation

Insurance Industry Service:

Safeco Mid-Atlantic Agency Advisory Council – Past Member
Acuity Agent Panel – Past Member

Laraine L. WuchterDDN: 717-581-9996Fax: 717-581-9812Email

Philip A. ZellersVice President, Commercial Marketing/Producers Insurance NetworkDDN: 717-581-9873Fax: 717-581-9812Email

Philip A. Zellers, CIC, CRM

Philip A. Zellers is Vice President of Commercial Marketing/Producers Insurance Network headquartered in the Lancaster, PA office. Phil is responsible for the placement of the agency’s commercial accounts and commercial carrier relationships. He also manages Producers Insurance Network, a member-based wholesale resource for insurance brokers.

Phil joined Horst Insurance in 1998 as Director of Agency Marketing and became Vice President of Commercial Marketing/Producers Insurance Network in 2011. He is a member of the Horst Insurance Management Team.

Education:

Elizabethtown College, Elizabethtown, PA
The National Alliance for Insurance Education and Research – Certified Insurance Counselor (CIC) designation
The National Alliance for Insurance Education and Research – Certified Risk Manager (CRM) designation

Insurance Industry Service:

Liberty Mutual Mid-Atlantic Regional Agent Advisory Council – Current Member

Chadds Ford

Lynn DrahusDDN: 717-581-9843Fax: 717-581-9812Email

Linda T. HershDDN: 610-675-0338Fax: 610-459-9549Email

Louis R. KolberVice PresidentDDN: 610-675-0333Fax: 610-459-9549LinkedInEmail

Louis R. Kolber, CIC

Louis R. Kolber is Vice President of the Chadds Ford, PA branch office and an Account Executive managing a large book of commercial property and casualty clients. Lou brings extensive insurance experience and expertise to his clients from a wide variety of industries. Lou deeply values his relationships with his clients and ultimately strives to be considered someone they can turn to as a trusted advisor.

Lou has expertise in managing insurance programs for companies with large manufacturing, wholesale, and construction exposures and handles clients in these fields throughout the Delaware Valley and surrounding states.

Lou joined Horst Insurance in 1998 when an acquisition with T.C. Hall & Company was completed, which helped to establish a strong presence in the Delaware Valley. Since then, Lou has managed and grown the Chadds Ford branch and is also an active member of the Horst Insurance Management Team.

Education:

Temple University
Sitkins Producer Training School
The National Alliance for Insurance Education and Research – Certified Insurance Counselor (CIC) designation

Community Service:

Hartford Insurance Company – Jonathan Trumbull Council – Past Member
Cigna Com Par Agent Advisory Board – Past Member

Jennifer L. MatthewsDDN: 610-675-0334Fax: 610-459-9549Email

Dawn M. ParkerDDN: 610-675-0337Fax: 610-459-9549Email

Emily L. PooleDDN: 610-675-0330Fax: 610-459-9549Email

Harry J. WatsonVice President/Account ExecutiveDDN: 610-675-0336Fax: 610-459-9549LinkedInEmail

Harry J. Watson, CPCU

Harry J. Watson is a Vice President/Account Executive located in the Chadds Ford, PA branch office and works with commercial property and casualty accounts. Harry insures and specializes in various types of business and specialty programs including electronic, food, railroad, chemical coatings, manufacturers, wholesale distribution, medical equipment, oil and propane, construction, apartments/condos, real estate owned accounts, hotel/motel hospitality and municipalities. Harry works hard to think outside the box to find answers to solve clients’ problems by providing valuable services and developing solutions to control and lower their cost of risk.

After many years in the insurance industry, Harry formed his own agency, Watson Insurance Agency, in 1982. In 2000, Horst Insurance acquired Watson Insurance.

Education:

Villanova University – Bachelor of Mechanical Engineering (Dean’s List and member of Pi Tau Sigma Honor Fraternity)
Sitkins Producer Training School
Chartered Property Casualty Underwriter (CPCU) designation
Dale Carnegie – Sales and Management Institute

Community Service:

US Tennis Association (USTA) – Member
Tennis Addiction Tennis Club – Member

Management

David C. KingPresident & CEODDN: 717-581-9880Fax: 717-581-9812Email

David C. King

David C. King is President and CEO of Horst Insurance. Dave specializes in complex commercial accounts where emphasis is placed on program design, master planning, and coverage consolidation. His clients’ insurance programs often include master policy programs involving multiple entities, locations and exposures, or alternative approaches such as captives or self-insurance. Dave’s skills include helping commercial clients assess and modify their risk management program, with an emphasis on business continuity planning.

In addition to his duties as President of Horst Insurance, Dave also serves as Corporate Risk Manager for Horst Group and its diverse set of Construction, Excavation, Property Management and Senior Living business units. As an active Risk Manager, Dave is able to constantly hone his insurance and risk management skills from both the buyer and broker perspective.

Education:

Franklin & Marshall College – BA in Government with an emphasis in Economics
Wharton School of the University of Pennsylvania – CHUBB Recognized Leader Program
Commercial Union Commercial Insurance School
Sitkins Sales Management School

Community Service:

Penn Medicine / Lancaster General Health – Patient Safety Committee
United Disabilities Services – Past Member of Board of Directors

Insurance Industry Service:

Donegal Group, Inc. – Current Member of Board of Directors
Millersville University Center for Disaster Research and Education – External Advisory Board
Insurance Agents & Brokers of Pennsylvania – Past Board Member
Peerless / Ohio Casualty Insurance Company – Past Agent Advisory Board Member
Hartford Insurance Company – Past Agent Advisory Board Member
Harleysville Insurance Company – Past Agent Advisory Board Member
Penn National Insurance Company – Past Agent Advisory Board Member
Fireman’s Fund Insurance Company – Past Agent Advisory Board Member

Articles Authored by Dave:
Worker Misclassification
PA Executive Officer Exemption Under Workers’ Compensation
Reimbursement of Defense Costs a Reality in PA
It Sometimes Helps To Seek a Broader Perspective
Criminal Background Checks Can Impact Your Employee Dishonesty Coverage

Louis R. KolberVice PresidentDDN: 610-675-0333Fax: 610-459-9549LinkedInEmail

Louis R. Kolber, CIC

Louis R. Kolber is Vice President of the Chadds Ford, PA branch office and an Account Executive managing a large book of commercial property and casualty clients. Lou brings extensive insurance experience and expertise to his clients from a wide variety of industries. Lou deeply values his relationships with his clients and ultimately strives to be considered someone they can turn to as a trusted advisor.

Lou has expertise in managing insurance programs for companies with large manufacturing, wholesale, and construction exposures and handles clients in these fields throughout the Delaware Valley and surrounding states.

Lou joined Horst Insurance in 1998 when an acquisition with T.C. Hall & Company was completed, which helped to establish a strong presence in the Delaware Valley. Since then, Lou has managed and grown the Chadds Ford branch and is also an active member of the Horst Insurance Management Team.

Education:

Temple University
Sitkins Producer Training School
The National Alliance for Insurance Education and Research – Certified Insurance Counselor (CIC) designation

Community Service:

Hartford Insurance Company – Jonathan Trumbull Council – Past Member
Cigna Com Par Agent Advisory Board – Past Member

Jennifer L. SchweitzVice President, Group BenefitsDDN: 717-581-9878Fax: 717-581-9812LinkedInEmail

Jennifer L. Schweitz

Jennifer L. Schweitz is Vice President of Group Benefits headquartered in the Lancaster, PA office. She specializes in working with benefit programs for employer groups with employee size ranging from 50 to 250. Jen works hard in implementing a unique approach to these size employer groups by providing many of the same important services that employers with over 250 employees receive.

Jen joined Horst Insurance in 2002. In addition to managing the Horst Insurance Group Benefits Department, Jen is also a member of the Horst Insurance Management Team.

Education:

University of Pittsburgh – BS in Business Administration

Community Service:

Developmental & Disability Services of Lebanon Valley – Board of Directors since 2005; Vice President of the Board of Directors since 2019

Ann M. WolfVice President, Personal Lines/Client Services/Agency OperationsDDN: 717-581-9875Fax: 717-581-9812Email

Ann M. Wolf, CISR, CPIA

Ann M. Wolf is Vice President, Personal Lines/Client Services/Agency Operations headquartered in the Lancaster, PA office. She manages the agency’s Personal Insurance Department along with the service team for the Commercial Insurance team for the Lancaster office; and ensures that all customer service standards and workflows are consistently executed throughout the agency. She also is responsible for the accounting staff and the integrity of our accounting workflows; as well as all agency operations to include the agency’s operating system, computer hardware/software, company equipment and support staff.

Ann joined Horst Insurance in 1993. She was Director of Agency Operations and became Vice President of Personal Lines/Client Services/Agency Operations in 2011. She is currently a member of the Horst Insurance Management Team.

Education:

The National Alliance for Insurance Education and Research – Certified Insurance Service Representative (CISR) designation
American Insurance Marketing and Sales Society – Certified Professional Insurance Agent (CPIA) designation

Insurance Industry Service:

Safeco Mid-Atlantic Agency Advisory Council – Past Member
Acuity Agent Panel – Past Member

Philip A. ZellersVice President, Commercial Marketing/Producers Insurance NetworkDDN: 717-581-9873Fax: 717-581-9812Email

Philip A. Zellers, CIC, CRM

Philip A. Zellers is Vice President of Commercial Marketing/Producers Insurance Network headquartered in the Lancaster, PA office. Phil is responsible for the placement of the agency’s commercial accounts and commercial carrier relationships. He also manages Producers Insurance Network, a member-based wholesale resource for insurance brokers.

Phil joined Horst Insurance in 1998 as Director of Agency Marketing and became Vice President of Commercial Marketing/Producers Insurance Network in 2011. He is a member of the Horst Insurance Management Team.

Education:

Elizabethtown College, Elizabethtown, PA
The National Alliance for Insurance Education and Research – Certified Insurance Counselor (CIC) designation
The National Alliance for Insurance Education and Research – Certified Risk Manager (CRM) designation

Insurance Industry Service:

Liberty Mutual Mid-Atlantic Regional Agent Advisory Council – Current Member