Our History

We are an independent insurance agency with roots tracing back to 1917. We’ve served businesses and families in Lancaster, Pennsylvania and the surrounding areas with a laser-focus on providing quality insurance management with friendly, knowledgeable customer service. With this philosophy, we’ve been able to grow our client base sustainably, one client referral at a time. We also manage an acquisition strategy targeting regions and services in our wheelhouse.


Our Team

David C. King

President/CEO
Risk Transfer Boss

As President and CEO of Horst Insurance, Dave specializes in large, complex commercial accounts with an emphasis on program design, master planning, and coverage consolidation.

Dave’s superpower includes helping commercial clients assess and modify their risk management program with a strong emphasis on business continuity planning.

Louis R. Kolber, CIC

Vice President, Chadds Ford
Complex Exposure Decoder

Lou enjoys being the Vice President of the Chadds Ford, PA branch office and an Account Executive with over 50 years of commercial property and casualty insurance experience.

Lou’s superpower includes managing insurance programs for companies with large manufacturing, wholesale, and construction exposures, especially for clients throughout Delaware Valley and surrounding states.

Charles R. Dielmann, CEBS, CFP

Vice President, Group Benefits
Plan Negotiator

Headquartered in the Lancaster, PA office, Charlie is Vice President of the Employee Group Benefits Department. He specializes in working with employer groups with 50 to 200 employees and uses his Registered Investment Advisor (RIA) and Chartered Financial Planner (CFP) background to provide a holistic approach for his clients.

It’s no surprise that Charlie’s superpower is helping clients navigate the complex group health insurance environment while staying available to assist client employees on financial planning matters.

G. David Ament, CIC

Account Executive, Commercial Lines
Liability Prevention Champion

Dave is an Account Executive at the Lancaster, PA office, working with commercial property and casualty accounts to ensure their business is appropriately covered in the event of a loss, to reduce total cost of risk over time, and to make accounts attractive in the insurance marketplace.

Dave’s superpower includes the versatility to serve a wide variety of industries, including commercial condominium associations, dentists, veterinarians, and many others.

Peter C. Crowe

Account Executive, Commercial Lines
Property Loss Protector

As an Account Executive based in Lancaster, PA, Pete specializes in addressing the “Total Cost of Risk” his clients face, along with risk management and risk transfer for those in manufacturing, service, higher education, and professional services.

Peter’s superpower manifests in his membership to the CHUBB Select Agent Program, which provides specialized training and expertise in D&O, Professional Liability, Employment Practices Liability, and Fiduciary Liability.

Christopher J. Fantaski, CISR, CPIA, CLCS

Account Advisor, Commercial Lines
Main Street Maverick

Chris holds the title of Commercial Lines Account Advisor in Lancaster, PA and works to understand the insurance exposures that face his “main-street” client-base so he can best provide the coverage and services needed to protect their business.

Chris’s superpower is his ability to easily relate to the variety of people and businesses he encounters each day.

Harry J. Watson, CPCU

Vice President / Account Executive, Commercial Lines
Client Problem Solver

As Vice President and Account Executive in Chadds Ford, PA, Harry has to think outside the box to develop solutions for controlling and lowering his clients’ cost of risk. His ultimate goal is to ensure clients’ survival and profit in their industries.

Harry’s eclectic experience has lead to his superpower: his ability to understand widely varied industries, such as electronic, food, railroad, chemical coatings, manufacturers, wholesale distribution, medical equipment, oil and propane, construction, apartment/condos, real estate, hotel/motel hospitality, and municipalities.

Thomas R. Schneider

Account Executive, Commercial Lines
Insurance Coverage Customizer

Tom is an Account Executive in the Lower Gwynedd, PA branch office, helping clients to manage risks through customized insurance programs and risk management services. He specializes in insuring various types of businesses, including manufacturers and distributors, specialty contractors, health care, and others.

Tom’s superpower is in evaluating clients’ potential for risk and providing them with important solutions through insurance policies, loss control, risk management, or risk transfer procedures.

Jennifer Schweitz

Senior Account Manager, Group Benefits
Employee Benefits Navigator

In her role as Senior Account Manager in the Employee Group Benefits department, Jennifer specializes in effectively managing large employee groups. Jennifer finds satisfaction in building and maintaining both client and carrier long-term relationships through the Horst Insurance Client Relationship Management Program.

Jennifer’s super power is no secret: she effortlessly navigates the moving pieces of her clients’ group insurance programs to keep them in check, and she keeps them running as smoothly as humanly (or superhumanly) possible.


How We Work

Our 100+ year legacy is founded on keeping the focus on you: where you are today, and what can be done for a better tomorrow.

We work on your behalf, developing a plan unique to your business and circumstances to get you the best combination of rate and coverage with our 30 insurance carriers. Because of the tightknit relationship we build with you as our client, we are able to constantly re-evaluate your program, so as your business operations and staff needs change, your coverage does, too.

To read more about Horst Insurance, visit our corporate site.

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