Get To Know Us...
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John Bowers
Commercial Lines Executive
John Bowers has been with Bowers Insurance since April of 1988. John served as President of Bowers Insurance for 22 years and remains at the agency as a Commercial Lines Account Executive. 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 the proud dad of two daughters, Grace and Caroline. Outside of work, John enjoys being physically active, hunting, and coaching football. -
Josh Barnhart
President, Partner
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. He has been in the insurance industry since 2018 and holds a Property, Casualty, Life and Health insurance license. Josh spent 12 years working in the construction industry, which is why he works so well with contractors and provides his clients with Proactive Service that is rare in the Insurance... -
Jason Bernard, MBA, CLCS
Vice President, Partner
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. In addition to his P&C license, Jason is also licensed in life and health. Jason holds the Commercial Lines Coverage Specialist (CLCS) designation and takes pride... -
Mary Creed, CISR
Commercial Lines Account Manager
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 Associate’s degree in Business Administration from Frederick Community College. In addition to her... -
Crystal Eby, CISR
Commercial Lines Team Lead and 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. She obtained her Certified Insurance Service Representative (CISR) designation in 2018. 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... -
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 in 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 over 20 years. She grew up in Middletown, MD and now... -
Stephanie Hartsock
Personal Lines Agent
Steph joined Bowers Insurance in July 2022 and is the lovely, helpful agent greeting you at our Hagerstown office. She graduated from Frostburg State University with a Bachelor’s degree in Business Administration with a focus in Marketing. Steph began her 28+ year career in the insurance industry and customer service at State Farm Insurance. She is licensed in Property and Casualty Insurance as well as Life and Health Insurance. She is one of the friendly team members to help with giving a... -
Heidi Hendershot
Finance Manager, Partner
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 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... -
Virginia Holder
Personal Lines Agent
Virginia joined the Bowers Insurance team at our Frederick office in September 2018. She has over 17 years of 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... -
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... -
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. She held various roles, from claims, records management, customer service, quoting and policy issuance. Fatima obtained her Bachelor of Science in Psychology at Far Eastern University in Manila. She finds this degree versatile and useful even in the insurance world. Fatima got her license in... -
Wendy Mendez, CISR, CPIA
Commercial Lines Account Manager
Wendy began her career in the insurance industry in 2008. After working in multiple departments, she transitioned to the commercial department in 2012. She is licensed in Property and Casualty and has her Certified Insurance Service Representative (CISR) and Certified Professional Insurance Agent (CPIA) designations. As a child, Wendy lived in El Salvador for a sort time, then moved to the US and grew up in Maryland. She currently resides in Ranson, WV with her husband and children. Outside... -
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. 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... -
Julie Wells, CISR
Personal Lines Customer Service Representative
Julie joined the Bowers Insurance team in January of 2023. You are likely greeted by her Southern demeanor should you call or visit our Hagerstown location. She grew up in Arkansas and graduated from the University of Arkansas at Little Rock with a BA in Business Administration with her area of focus in Finance. Julie has over 20 years of Claims experience with State Farm. She is licensed in Property. Casualty, Life and Health insurance and also holds her Certified Insurance Service... -
Renee Wolfe
Commercial Lines Account Manager
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 has worked in personal insurance, she specializes in commercial insurance currently focusing on certificate of insurance issuance. Renee grew up in Washington County and resides in Williamsport with her husband and three children. For seven years she coached the cheer team of the Williamsport...
