About Us
Bell Insurance, Inc., an Alera Group Company, is a full-service independent insurance agency, offering a wide array of personal and commercial insurance products. Established in 1987, we serve the insurance needs of more than 9,000 individuals & families and 2,500 businesses.
In 2021, Bell joined Alera Group, an independent, national insurance and financial services firm created through the merger of like-minded, high-performing, entrepreneurial companies across the United States. Alera Group provides us access to resources, technical expertise, and best practices of a larger national firm while maintaining local personal care and thoughtful customer service. We position ourselves as leaders in the insurance world to ensure a high level of confidence in our expertise.
By choosing Bell, you aren’t just a number. You are a valued customer, and we are always here to offer guidance, answer your questions and identify ways to save you money. Our expert team assists customers through the entire insurance process, making it a hassle-free experience for you.
Get a quote: Submit this form.
Office hours and locations:
Monday-Friday, 8:30 a.m.-5 p.m. ET
- CHAMBERSBURG: (Phone) 717-264-7518 / (Fax) 717-264-1287
- GREENCASTLE: (Phone) 717-597-1151 / (Fax) 717-597-3141
- HANOVER: (Phone) 717-632-4500 / (Fax) 717-632-8203
- MECHANICSBURG: (Phone) 717-234-6530 / (Fax) 717-234-4163
Meet Our Team
Rich Bell, CIC
Senior Partner
As President, Rich oversees and manages the day-to-day agency operations. He started his career in insurance in 1989 after earning his bachelor’s degree from Penn State University. Rich holds the CIC designation.
His favorite part of his job is working with his customers to find the absolute best solution for their insurance needs. Rich is a huge sports fan and is married with one daughter.
Veronica Cuevas
Personal Lines Producer
Veronica joined the team in 2018 as a Personal Lines Producer. Her favorite part of her job is putting the needs of her clients first by listening to them and providing them with a proper solution.
In her free time, Veronica enjoys traveling, visiting new places and meeting new people.
Melissa Carbaugh
Personal Lines Producer
Melissa, “Missy,” is a Personal Lines Producer at our Chambersburg office. Prior to joining the team in 2018, Missy worked in child care and retail.
Her favorite part of her job is talking to customers, especially the regulars. She looks forward to their visits each month. Missy and her husband Mike have three daughters, Emilee, Sarah and Abby, and two sons-in-law, Zach and Judson. They also have a beagle named Charlie. In her spare time, she enjoys traveling with her husband to new and exciting places.
Andrea Fuller-Myers
Personal Lines Agent
Andrea Fuller-Myers joined the team as a Personal Lines Agent, working with individuals to determine their insurance needs.
Resources
General Resources
Get a quote: Submit this form.
How to File a Claim During Office Hours
Bell Insurance's normal office hours are 8:00 a.m. - 5 p.m. Monday through Friday. If you have sustained a loss and need to report a claim during those hours, please call us at (717) 264-7518.
How to File a Claim After Office Hours
In the event of an after-hours claim or emergency, please contact your carrier directly.
Solutions
Personal Insurance
- Auto Insurance, Life Insurance, Disability Insurance, Homeowners Insurance, Long-Term Care Insurance, Medicare
Business Insurance
- Building and Business Property Insurance, Employment Practices Liability Insurance, General & Professional Liability, Commercial Auto Fleet & Surety, Business Overhead Expense Insurance, Worker's Compensation, Cyber Liability Insurance, Agribusiness
Employee Benefits
- Health Insurance, Vision Insurance, Dental Insurance, Voluntary Benefits
PDA (Pennsylvania Dental Association) Members:
Enjoy the convenience of one-stop shopping and the peace of mind that comes from having a single source for all your insurance needs. PDAIS, an endorsed vendor of the Pennsylvania Dental Association, provides a variety of business and personal insurance programs to Pennsylvania dentists, their families and staff. We offer an unparalleled understanding of your profession and coverage designed with your practice in mind.
As an Alera Group agency, PDAIS has access to the resources, technical expertise and best practices of a large national firm, while maintaining our personalized, local relationships. The innovative culture of Alera Group allows us to collaborate with national partners to expertly meet your unique needs.
Contact us for a free, no-obligation quote and start saving today!
We are pleased to offer the following products to PDA members: Professional Liability, Building and Business Property, Workers' Compensation, Cyber Suite Liability, Employment Practices Liability and Group Disability.
New Dentist Program
$50. That’s all new graduates pay for their first year of professional liability insurance. Learn more.
Contact Megan Geider or Gabrielle Wilday today for personalized customer service and a free, no-obligation quote.
NJDA (New Jersey Dental Association) Members:
We provide a variety of business and personal insurance programs to NJDA member dentists. We offer you an average 15 percent savings on quality products from stable, highly-rated companies. All carriers, programs and products have been thoroughly analyzed by Bell and approved by NJDA.
Why choose us? We offer you quality insurance products at discounted prices and the NJDA receives non-dues income. We are pleased to offer the following products to NJDA members: Professional & Business Liability Insurance, Building & Business Property Insurance, Cyber Suite Liability and Workers' Compensation Coverage
New Dentist Program
$50. That’s all new graduates pay for their first year of professional liability insurance.
Contact Megan Geider or Gabrielle Wilday today for personalized customer service and a free, no-obligation quote.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Balancing Cost and Care: Could a Captive solution be the right fit for you?
In this session, our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.
April 17, 2025 at 01:00 pm CT | Virtual
Sign Up
Employee Benefits
Q2 2025 Quarterly Compliance Webinar
Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.
May 6, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
2025 Healthcare and Employee Benefits Benchmarking Report: How Does Your Benefits Program Stack Up?
In this session, our experts will dive into the results of our annual, market-leading benchmarking survey.
June 26, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Deadline for San Francisco Health Care Security Ordinance is approaching
The annual San Francisco Health Care Security Ordinance (SF HCSO) reporting by employers that have employees who work in the City of or County of San Francisco is due by May 2, 2025. Employers should be aware of the upcoming deadline even if they are not located in San Francisco.
The SF HCSO requires large and medium-sized employers to provide covered employees with benefits equal to or greater than the expenditure rate. Covered employees are those who have been employed for more than 90 days and who regularly work at least eight hours per week within the City of and County of San Francisco.
April 14, 2025
Find out more
Property and Casualty
International Roadcheck Is May 13-15. Is Your Commercial Transportation Fleet Ready?
For 72 hours next month, commercial motor vehicles and drivers throughout North America will be subject to what the Commercial Vehicle Safety Alliance (CVSA) calls a “high-visibility, high-volume” inspection and regulatory compliance enforcement initiative.
The annual event, known as the International Roadcheck, will take place at weigh and inspection stations, temporary sites and locations selected by mobile patrols from May 13-15 in the United States, Canada and Mexico.
April 14, 2025
Find out more
Property and Casualty
Improving Transportation Fleet Safety Through Gamification
The COVID-19 pandemic pushed companies to find creative ways to engage employees as isolation hit an all-time high. Many turned to gamification — the application game mechanics such as points, badges and leaderboards to everyday tasks — to reconnect with staff and improve retention, especially around key initiatives like safety. It’s a concept so suitable for the transportation industry, it could have been conceived with truckers and other commercial auto drivers in mind.
April 7, 2025
Find out more Employee Benefits
Webinar: Is Captive Insurance the Right Solution for Your Business?
Join Alera Group on Thursday, April 17, for "Balancing Cost and Care: Could a Captive solution be the right fit for you?", a webinar on self-insuring to reduce group Medical Insurance costs and other business expense. Our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.
April 3, 2025
Find out more