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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 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...

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  • 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...

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  • 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...

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  • 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...

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  • 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...

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  • 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...

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  • Vanessa Peffer, CISR


    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...

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  • 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...

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  • 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...

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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 volunteers with the Helping Hands Ministry at her church. When time allows, she enjoys...

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1380 Dual Highway
Hagerstown, MD 21740
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