With competitive insurance rates and a prompt, caring, and professional staff, Bowers Insurance is a company you can trust with your future. We are committed to providing insurance buyers the best products and a complete understanding of what they are purchasing, along with accurate and timely service.
We’re experienced in every industry and insure companies throughout the Eastern United States. Some of our specialties include:
- Contractors
- Wholesalers
- Manufacturers
- Retailers
- Machine shops
- Sheet metal shops
- Motorcycle dealers
- Professional service firms
If the unthinkable happens, our Claims Advocate will walk you through the process and follow up regularly. Progress meetings and annual reviews are part of our commitment to your ongoing risk management.
The Bowers Customer Commitment
- Our customers are the most important people in the company.
- Our customers do not depend on us. We depend on them.
- Our customers are the reason for our work. They are not an interruption. They do us a favor with their business.
- Our customers deserve competent guidance. We must continually develop our professional skills and set standards based on our customer's expectations - not based on what other companies do.
- Our customers rely on us to manage risk in their lives. Our duty is to manage it profitably.
Our Team
-
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...
-
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...
-
Kelly Baranowski, CISR
Commercial Lines Account Manager
Kelly has been with Bowers Insurance since February 2020. She graduated from Indiana University of PA and also received a Master’s degree from Ball State University. She began her insurance career...
-
Josh Barnhart
Commercial Lines Account Executive
Josh has been with Bowers Insurance since September of 2020. He attended Hagerstown Community College, then Liberty University, where he majored in Business Administration with a minor in Marketing....
-
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...
-
Tammy Berry, CISR
Commercial Lines Account Manager
Tammy joined Bowers Insurance at the Frederick office June of 2021. She began her 30+ year career in personal lines insurance and after seven years transitioned to commercial lines insurance. She has...
-
Mary Creed, CISR
Commercial Lines 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...
-
Crystal Eby, CISR
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...
-
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,...
-
Jen Fogle
Personal Lines Customer Service Representative
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...
-
Stephanie Hartsock
Personal Lines Customer Service Representative
Steph joined Bowers Insurance July 2022 and is the lovely, helpful agent greeting you at our Hagerstown office. She graduated from Frostburg State University with a Bachelors degree in Business...
-
Heidi Hendershot
Finance Manager
Heidi joined Bowers Insurance in September 2005. Heidi is responsible for managing corporate finances, Human Resources and office management. She works behind the scenes within the company, wearing...
-
Virginia Holder
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...
-
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...
-
Fatima Livioco
Commercial Lines Account Manager
Fatima joined Bowers Insurance in January 2021. She was with Insurance First Inc for fifteen years taking care of commercial lines accounts. Her career in insurance started with an underwriting firm...
-
Amy Mason, CEBS
Employee Benefits Account Executive
Amy joined Bowers Insurance in August 2014. She is a graduate of Towson University with a Bachelor of Science degree with a concentration in Business Administration. Amy has her Life and Health...
-
Beth Schoen, ACSR
Commercial Lines Account Manager
Beth started her career in the insurance industry over 20 years ago specializing in commercial lines. In 2015 she left the busy Baltimore metro area to move to the more serene life of Williamsport....
-
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...
-
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...
-
Penny Slifer, CISR
Commercial Lines Account Manager
Penny joined Bowers Insurance in the Frederick office January 2021. Penny has over 28 years of experience in the insurance industry. She holds a Property & Casualty license and a Certified...
-
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...
-
Renee Wolfe
Commercial Lines Service Agent
Renee has been with Bowers Insurance since September 2021. Renee came to Bowers Insurance with 19 years of experience in the insurance industry and holds a property and casualty license. Although she...