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 the proud dad of 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. -
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 handling claims for Allstate Insurance before moving onto risk management. In 2013 she obtained her Property & Casualty license. She holds her Certified Insurance Service Representative (CISR) designation. She grew up in the Pittsburgh area before moving to Maryland in 1999. She moved to Boonsboro... -
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. He has been in the insurance industry since 2018. 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 industry. Josh is involved with multiple community organizations... -
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... -
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 always worked on the agency side of the insurance industry. She attended Montgomery College and secured her Property and Casualty license in 1989. She obtained her CISR Designation (Certified Insurance Service Representative) over 25 years ago and continues to be committed to professionalism and... -
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 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 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 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 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 holds a CISR (Certified Insurance Service Representative) designation. She lives in Thurmont, MD and loves spending time with friends and family, especially her son Ryan... -
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 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... -
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 Administration with 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. Steph’s passion for fitness and nutrition led her to becoming a Group... -
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 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 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... -
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... -
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 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... -
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... -
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. 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 mostly enjoys being a grandma but also enjoys camping, gardening, and spending... -
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 Insurance Service Representative (CISR) Designation. Penny resides in Sharpsburg with her son, Aaron. In her spare time she enjoys spending time with family and friends, watching movies and sports. -
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... -
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 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 Bears...
