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  • John Bowers


    John Bowers, President, has been with Bowers Insurance since April of 1988. He is co-owner and oversees Commercial Insurance operations. John is a graduate of Shippensburg University, with a Bachelor of Science and a Master of Science, and is a Certified WorkComp Advisor (CWCA). He is married to Nikki Bowers and has two daughters, Grace and Caroline. Outside of work, John enjoys being physically active, hunting, and coaching football.

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  • Jeff Bowers, CFP®

    Vice President

    Jeff Bowers has been with Bowers Insurance since May of 1989.  He is co-owner and oversees the agency's personal insurance operations, as well as selling life, disability and fixed annuity business.  Jeff is a graduate of Hagerstown Community College and Shepherd University, and holds the Certified Financial Planner (CFP®) designation.  Jeff and his wife Krista have two children, Allyson and Andrew.  Outside work Jeff enjoys competitive cycling, Indy car racing, and umpiring youth baseball.

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  • Jason Bernard, MBA, CLCS

    Commercial Lines Account Executive

    Jason has been with Bowers Insurance since June 2012. He attended Frostburg State University where he majored in Accounting and also received a Masters of Business Administration (MBA). His 10 years in the insurance industry has allowed him to experience both the personal and commercial lines of Property & Casualty. Jason holds the Commercial Lines Coverage Specialist (CLCS) designation and takes pride in representing the Bowers Insurance brand well.  He has lived in Washington County for...

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  • Rebecca Bowman, CISR

    Personal Lines Account Manager

    After graduating with a degree in Medical Laboratory technology, Rebecca (Becca) left the medical world and jumped feet first into the insurance field in May 2013. Becca began as our receptionist and quickly acquired her insurance license, which led to her being promoted to Personal Lines Account Manager, where she assists customers with all policy related inquiries. She continued to advance her insurance knowledge and received the Certified Insurance Service Representative (CISR) designation...

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  • Crystal Eby

    Commercial Lines Account Manager

    Crystal joined Bowers Insurance August 2014. Crystal began her 20 year career in the insurance industry and customer service working for State Farm Insurance. She is licensed in Property and Casualty and Life and is currently working to obtain her Certified Insurance Service Representative (CISR) designation. Crystal services a wide variety of commercial lines customers with their policies, renewals, and bonds. As a native to Maryland, Crystal resides in Maugansville with her husband and two...

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  • Heidi Hendershot

    Finance Manager

    Heidi joined Bowers Insurance in September 2005. Heidi is responsible for managing corporate finances and Human Resources. She works behind the scenes within the company, wearing many hats, and fulfilling various administrative duties. After living in Utah a few years, she returned to the Hagerstown area and pursued her career in Accounting at the Hagerstown Community College. She earned American Management Association (AMA) certificates in Management and Human Resource Management, along with...

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  • Amy Mason

    Employee Benefits Account Executive

    Amy recently joined Bowers Insurance August 2014. Amy has her Life and Health license. She provides business owners with guidance on cost-effective employee benefit options while working with individuals to find the best health policy to meet their needs. Amy’s’ professional experience includes handling small group renewals, health and welfare benefits plans, and nonprofit membership services. Amy and her husband, Michael, live in Hagerstown and have one wonderful daughter, who keeps them...

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  • Vanessa Peffer


    After graduating Indiana University of Pennsylvania with an Exercise Science degree Vanessa joined the Bowers team in June 2014. Vanessa has over 10 years of customer service experience and has recently obtained her Property and Casualty insurance license. Along with numerous duties, Vanessa is the pretty face and voice at the front desk greeting each person and directing them to the proper department. She resides in Pennsylvania with her husband, where they attend First Church of God and...

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  • Kristi Shank, RPSM

    Executive Assistant

    Kristi began her career with Bowers Insurance in October 2004.  She has over 20 years of experience providing high level administrative support and customer service.  Kristi currently provides support to our financial advisory, employee benefit, and life and health insurance clients.  She obtained a Legal Secretary Certificate from Hagerstown Business College in April of 1990, the Registered Paraplanner℠ (RP®) designation from the College for Financial Planning in December of 2006, and her Life...

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  • Barbara Sites, CISR, CIC, CWCS

    Commercial Lines Marketing Specialist

    With over 25 years’ experience in the insurance industry, Barbara came to Bowers Insurance in December 2007. She specializes marketing and quoting new commercial accounts and managing commercial business renewals. Barbara’s industry designations include: Certified Insurance Service Representative (CISR), Certified Insurance Counselor (CIC) and Certified Workers’ Compensation Specialist (CWCS). In her spare time, she enjoys camping, gardening, and spending time with family and friends. Each...

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  • Carol Smothers, CISR

    Personal Lines Account Manager

    Carol started as a part-time receptionist with Bowers Insurance in June 2006. After seven months, she came on board full-time. Carol has over 20 years of experience in customer service and marketing, and loves helping customers and answering their questions. She has accomplished receiving her Property and Casualty, Life/Health license, and Certified Insurance Service Representative (CISR) designation. Carol has volunteered for many years in her church, Greater Campher Temple. When time...

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1380 Dual Highway
Hagerstown, MD 21740
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