Skip to main content

One agency. Many options. Sound advice.

A proactive approach to insurance and risk management starts with Harding-Yost Insurance.

Explore Insurance Solutions

Request a Quote

Manage Your Insurance

Who are we?

Circumstances change. New risks and situations arise. As your trusted insurance partner we listen, learn, and provide reliable guidance and tailored solutions to your evolving needs. With 40+ years of experience, we have a passion to maintain a culture where our team truly cares about our customers.

We are dedicated to prioritizing professional and responsive service. Our partnership with 100+ insurance companies empowers us with leveraged buying power and the reach of a national broker while maintaining a local presence in your community. We are your partner for the long run, dedicated to your protection and your peace of mind. Call today to get started.

Learn About Us
Our Location

Located in Denver, PA, we are proud to serve clients across Pennsylvania and surrounding states.

What do we offer?

With Harding-Yost Insurance, you can trust we have your best interests at heart when it comes to finding coverage for business insurance, employee benefits, and personal insurance.

Business Insurance

Get covered.

Employee Benefits

Get covered.

Insurance by Industry

Get covered.

Personal Insurance

Get covered.

Why Work With Us?

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Get Countless Options With Over 100 Carriers

We proudly represent a large network of leading insurance companies.

Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability
Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

Read Our Reviews

Read on to discover why you should switch to Harding-Yost Insurance.

Harding-Yost Insurance - Logo Icon White

Manage Your Policies

Already a client of Harding-Yost Insurance? Visit our Service Center to make requests and manage your insurance.

Visit Service CenterHYI Risk Management Portal

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact Harding-Yost Insurance

"*" indicates required fields

Name
Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 717-336-2231 or email us.