Business Details
38 Years
experience
Emergency
services
Your Trusted Insurance Partner in Hagerstown, MD
Bowers Insurance has been dedicated to protecting clients' futures since 1988 by providing comprehensive risk management and financial planning solutions. Our team of experienced professionals takes a personalized approach to understand each client's unique needs, offering tailored insurance products from multiple carriers. With expertise in automobile, homeowners, business, and life insurance, we prioritize 24/7 claims reporting and competitive rates while maintaining a strong focus on customer education and satisfaction.Our leadership team brings decades of industry experience, including specialized certifications and deep local market knowledge, ensuring clients receive informed guidance and proactive service. We maintain a commitment to transparency, ethical practices, and continuous professional development to meet evolving client needs across the Eastern United States.
Services
Auto Insurance
Home Insurance
Business Insurance
Surety Bonds
Life Insurance
Details
- Year established: 1988
Highlights and features
- We offer 24/7 claims reporting and emergency assistance services
- Our team includes certified professionals with specialized industry expertise
- We provide personalized insurance solutions from multiple carriers
- Our proactive risk management approach includes annual policy reviews
- We maintain deep local market knowledge and community connections
Services
Auto Insurance
Bowers Insurance offers comprehensive auto insurance coverage for personal and commercial vehicles. Our policies protect against liability, collision, and comprehensive risks while providing 24/7 claims reporting. We specialize in coverage for standard vehicles, vintage cars, motorcycles, and business fleets, with multi-policy discounts available.
Home Insurance
Our homeowners insurance policies protect residential properties against common risks including fire, theft, and natural disasters. We offer specialized programs for high-value homes, condos, and rental properties with annual policy reviews to ensure continued appropriate coverage levels.
Business Insurance
We provide comprehensive business insurance solutions including liability coverage, workers' compensation, and commercial vehicle policies. Our services help businesses manage risk through customized plans that address specific industry needs and regulatory requirements across various sectors.
Surety Bonds
Bowers Insurance offers surety bond solutions for contractors and businesses requiring financial guarantees. Our services include contract bonds, commercial bonds, and licensing permits to meet regulatory requirements and support business operations.
Life Insurance
We provide life insurance solutions to protect families and business interests. Our offerings include term and permanent policies designed to ensure financial security for beneficiaries and support estate planning objectives.
People
John Bowers
President
John Bowers has led commercial insurance operations at Bowers Insurance since 1988. A Shippensburg University graduate with advanced degrees and CWCA certification, he specializes in business risk management while maintaining active community involvement through youth sports coaching.
Jeff Bowers
Vice President
Jeff Bowers oversees personal insurance operations with expertise in life, disability, and annuity products. A Certified Financial Planner with over 30 years' experience, he combines industry knowledge with local market insights to serve Maryland clients effectively.
Crystal Eby
Commercial Lines Team Lead
Crystal Eby leads the commercial lines team with 20+ years of insurance experience. Holding the CISR designation, she specializes in commercial policy management and bond services while maintaining extensive client relationships across multiple industries.
Jason Bernard
Commercial Lines Account Executive
Jason Bernard brings over 15 years of commercial insurance experience to his role. With an MBA and CLCS certification, he provides specialized coverage solutions for businesses while maintaining dual licensing in property/casualty and life/health insurance.
Stephanie Hartsock
Personal Lines Agent
Stephanie Hartsock serves as a personal lines agent with 28+ years of insurance experience. She provides comprehensive coverage solutions for homeowners and auto insurance clients while maintaining professional licensing in property/casualty and life/health insurance.
Questions
How do I add a new driver to my auto insurance policy?
Download and complete a Personal Driver Questionnaire, then mail or fax it to our office. You'll receive an updated declaration page within 5-7 business days.
Does my auto insurance cover rental vehicles?
Private passenger rentals are covered for up to 45 days if your policy includes full coverage. Commercial rentals require additional arrangements.
What should I do immediately after an accident?
Ensure safety, exchange information with involved parties, document damages, avoid discussing fault, and contact our office promptly for claims reporting.
How can businesses manage workers' compensation costs?
We offer safety education programs and risk assessment services to help businesses reduce workers' compensation expenses through proactive prevention strategies.
Do you offer commercial insurance for business fleets?
Yes, we provide commercial coverage solutions for both individual business vehicles and complete fleet operations across various industries.
Videos
