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
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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...
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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....
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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....
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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...
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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...