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
Note: Our office observes temporary summer hours. During the summer months, our office closes at 1 p.m. ET on Fridays through the end of August.
- 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 Senior Partner, 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.
Carrie Heckman, CIC
SVP
As Senior Vice President/P&C Commercial Producer, Carrie’s responsibilities include account development, commercial lines sales, and managing the day-to-day agency operations. Carrie has her CIC designation and is licensed in several states in Property, Casualty and Life. She has been part of the team for more than 17 years.
Her favorite part of her job is learning about local businesses and sharing her expertise to help protect everything her customers have worked so hard to achieve. She values the trust that she’s earned and the lasting relationships she’s built with her customers.
Carrie enjoys spending time with her family, especially her grandchildren, shopping (locally whenever possible), traveling, pickleball, ATV riding and outdoor adventures.
Sheila Brindle
Commercial Lines Account Manager
Sheila is a Commercial Lines Account Manager and has been with the team since 2012. Her favorite part of her job is processing policies, endorsements and audits. In her free time, she enjoys spending time with her family.
Brianna Bush
Greencastle Receptionist
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 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. We are the endorsed insurance agency of the Pennsylvania Dental Association, providing 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.
We have 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.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Alera Group Presents: Navigating Medicare
The knowledgeable team at Alera Group is here to help you navigate your Medicare options to ensure you feel confident in your post-65 healthcare coverage.
March 11, 2026 at 12:00 pm CT | Virtual
Sign Up
Employee Benefits
The Funding Edge: Why Fully Insured Limits Control — and What Modern Funding Unlocks
A funding decision framework leaders can use to evaluate options and align on next steps.
March 17, 2026 at 01:00 pm CT | Virtual
Sign Up
Employee Benefits
Network Performance Strategy: Why Any Provider Costs More — and How to Steer to Value Without Disruption
A steering strategy that improves outcomes and total cost of care.
April 21, 2026 at 01:00 pm CT | Virtual
Sign Up
THOUGHT LEADERSHIP
Insights
Employee Benefits
Legal Alert: RxDC Reporting Due June 1st
Reminder: RxDC Reporting Due June 1st
February 26, 2026
Find out more
Property and Casualty
AI-Powered Cyber Attacks, Why Yesterday’s Defenses Aren’t Enough.
The widespread availability of AI technology, combined with the ease of manipulating video calls, makes phone and Zoom calls susceptible to exploitation by threat actors.
February 2, 2026
Find out more
Employee Benefits
IRS Releases Guidance Related to Recent HSA Changes
The IRS recently released Notice 2026-5, which provides guidance and answers to common questions related to the expanded availability of health savings accounts (“HSA”) under the Reconciliation Act (previously named the One Big Beautiful Bill Act) passed into law earlier this year.
December 30, 2025
Find out more Property and Casualty
Are you prepared for 2026? Property and Casualty Trends Uncovered
The sixth annual Property and Casualty Market Outlook from Alera Group sets the stage for how organizations can recalibrate their risk strategies in 2026. Built on thousands of data points — including a nationwide survey of insurance company partners and wholesale intermediaries — this report delivers actionable insights for insurance buyers, risk managers and business leaders.
December 17, 2025
Find out more