Get To Know Us...
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John Bowers
President
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. -
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. -
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 Master of Business Administration (MBA) degree. He has been in the insurance industry since 2004 and has experienced 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... -
Mary Creed, CISR
Service Agent
Mary started her insurance career directly out of high school. She obtained her Property and Casualty license in 1973. Mary has experience in all aspects of the insurance agency world from bookkeeping to office management to personal lines and commercial lines. She came to Bowers Insurance in September 2018 after working with the Powell Insurance Agency for 16 years. In 2004 Mary received an Associates degree in Business Administration from Frederick Community College. In addition to her... -
Crystal Eby, CISR
Commercial Lines Account Manager
Crystal joined Bowers Insurance in 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 holds a 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 Boonsboro with her husband and is the proud mom of two... -
Janice Fisher, CISR
Personal Lines Account Manager
Janice began her career with Powell Insurance in February 2009, and stayed with Bowers Insurance in September 2018 after the acquisition. She has over 30 years experience in the insurance industry, which began at an aviation insurance company. She currently holds her Property & Casualty and Life & Heath Licenses and also holds a CISR (Certified Insurance Service Representative) designation. She lives in Thurmont, MD and loves spending time with friends and family, especially her son... -
Jen Fogle
Service Agent
Jen started her insurance career in February of 2003 when she was hired by Powell Insurance Agency. And transitioned to Bowers Insurance September 2018. She is the first friendly voice you will hear when calling and the first lovely face you see when visiting the Frederick office. Jen is licensed in Property and Casualty and has over 15 years of customer service and insurance experience. She has also been a licensed cosmetologist for the past 18 years. She grew up in Middletown, MD and now... -
Beth Green, ACSR
Commercial Lines Account Manager
Beth started her career in the insurance industry over 15 years ago specializing in commercial lines. In 2015 she left the busy Baltimore metro area to move to the more serene life of Williamsport. Beth has been with Bowers Insurance since August 2017 where she services a wide variety of commercial clients with policy renewals and an assortment of policy related inquiries. She holds an ACSR (Accredited Customer Service Representative) designation and a Property and Casualty license. In her... -
Heidi Hendershot
Finance Manager
Heidi joined Bowers Insurance in September 2005. Heidi is responsible for managing corporate finance, Human Resources and office management. 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 Hagerstown Community College. She earned American Management Association (AMA) certificates in Management and Human Resource... -
Bobi Jerome, CISR
Commercial Lines Account Manager and Claims Advocate
Bobi joined the Bowers Insurance team in March 2015 part-time and in January 2018 moved into a full-time position. After 17 years of living in Florida she traded her flip flops for snow boots and returned to the Chambersburg area in 2014. With over 20 years of experience in the insurance industry she has worked in personal, commercial lines and underwriting. Bobi specializes in flood insurance, issuance of certificates of insurance and claims along with servicing customers of their policy needs... -
Amy Mason, CEBS
Employee Benefits Account Executive
Amy joined Bowers Insurance in August 2014. She is a graduate of Towson University with Bachelor of Science degree with a concentration in Business Administration. Amy has her Life and Health license and holds a Certified Employee Benefit Specialist (CEBS) designation. 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... -
Joanne Patenaude, CIC, LUTCF
Agent
Joanne has been in the insurance industry for over 30 years. She was the agency owner of Powell Insurance Agency from 1993 to 2018. Joanne is a graduate of Rhode Island College with a degree in education. She has earned the professional designation of Certified Insurance Counselor (CIC) and is a graduate of the Life Underwriting Training Council Fellow Program (LUTCF). Her insurance expertise is in Personal, Commercial and Life Insurance. In addition to enjoying semi-retirement Joanne... -
Vanessa Peffer, CISR
Receptionist
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 holds a Property and Casualty insurance license and a Certified Insurance Service Representative (CISR) designation. 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... -
Kristi Shank, FPQPTM
Executive Assistant
Kristi began her career with Bowers Insurance in October 2004. She has over 25 years of experience providing high level administrative support and customer service. Kristi currently provides support to our financial advisory, employee benefits, and life and health insurance clients. She obtained a Legal Secretary Certificate from Hagerstown Business College in April 1990, the Financial Paraplanner Qualified ProfessionalTM (FPQPTM) designation from the College for Financial Planning in... -
Barb Sites, CISR, CIC, CWCS
Commercial Lines Marketing Specialist
With over 25 years’ experience in the insurance industry, Barb came to Bowers Insurance in December 2007. She specializes in marketing and quoting new commercial accounts and managing commercial business renewals. Barb’s industry designations include: Certified Insurance Service Representative (CISR), Certified Insurance Counselor (CIC) and Certified Workers’ Compensation Specialist (CWCS). In her spare time she mostly enjoys being a grandma but also enjoys camping, gardening, and spending... -
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 volunteers with the Helping Hands Ministry at her church. When time allows, she enjoys... -
Virginia Sutphin
Personal Lines Account Manager
Virginia joined the Bowers Insurance team at our Frederick office in September 2018. She has over 17 years customer service experience. Her insurance career began in 2001 working in the health insurance industry. Ready for a change she joined Powell Insurance Agency in 2008. She obtained her Property and Casualty license in 2009 and is working towards obtaining her life insurance license. Though Virginia was born in Lawton OK, she grew up and still resides in Frederick County, MD with her...
