Chambersburg, PA

Formerly Bell Insurance

    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.

    Office Hours:
    Monday - Friday:  8:30 a.m. - 5 p.m. ET

    Office Locations:
    Chambersburg, Greencastle, Hanover and Mechanicsburg, PA

    Meet Our Team

    Rich Bell, CIC

    Senior Partner
    Rich Bell Headshot

    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 Cuevas Headshot

    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 Carbaugh - Headshot

    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
    Headshot placeholder

    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

     

    NDA (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

    HIPAA Privacy and Security Overview

    Join our compliance experts for an overview of HIPAA’s Privacy and Security Rules. During this webinar, we'll review the different types of entities subject to HIPAA, take an in-depth look at protected health information (PHI), individual rights under HIPAA and what to do when there is a breach of PHI.

    April 11, 2025 at 01:00 pm CT | Virtual

    Sign Up
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    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

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    Alera Group Engage webinar banner

    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

    Sign Up
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    Quote from J. and R. Newcomer

    Tina was such a delight to work with. She seemed truly happy for us and our classic car purchase. She took care of all the paperwork, sending it to the dealer in Florida and the bank in California. She even went as far as to look for and find homeowners insurance for us, saving us $300 a year. Again she handled all the paperwork. From the very first day I spoke with her, she made us feel as if she had known us forever, when in fact we have never met. She is a blessing.
    J. and R. Newcomer

    Quote from Hines Family

    I’d like to take a moment to recognize your employee, Angie Shaffer. I first came to know her when I was searching for better insurance some 15 years ago or better. I was sold right away for the obvious reason of saving myself $500 a year. But more importantly, I was very pleased with Angie’s service. She is always so nice and goes out of her way to make sure that I am taken care of. I work at a Credit Union. When I am building relationships, my members trust me to do what’s in their best interest. I feel completely confident in referring them to Angie for their insurance needs. The feedback I get from them is always positive. I feel so blessed to have her looking out for me and every time I reach out to her, that is exactly what she does. Bell has a real asset, and I just wanted you to know how fortunate you are.

    Hines Family

    Quote from Cole P.

    I am so happy we switched, we saved so much money! My mother has used Bell for 15 years, and Jennifer has been her agent the whole time. Now I have started using you guys, and she is my agent as well. It’s a great feeling to keep it in the family as a legacy! I will send my child to you when she is old enough to drive! Jennifer gave me such a kind experience and helped me cancel my previous insurance while also bundling home insurance at a great rate! We love you guys and are so glad to be a part of this family.
    Cole P.

    Quote from Terrie R.

    Jennifer is very efficient. She had our homeowners insurance policy ready in a short amount of time and very reasonably priced! Jennifer is awesome and easy to work with!!! Thank you.
    Terrie R.

    Quote from Rodney M.

    I've dealt with Rich for a long long time. Always makes the process as quick and easy as possible. All the people in the office help any way they can.
    Rodney M.

    THOUGHT LEADERSHIP

    Insights

    Property and Casualty

    5 Steps to a Lower Workers’ Compensation Mod

    Understanding how your Workers' Compensation Insurance premium is calculated can help you manage costs more effectively. One of the primary factors in determining your premium is your experience modification factor — the number that reflects your company’s claims history and directly determines what you pay.

    March 13, 2025

    Find out more

    Employee Benefits

    Getting the Most From Your Voluntary Benefit Offerings

    Join Alera Group on Thursday, March 20, as we present the next in our Engage series of webinars, "Maximizing Impact: The Value of Voluntary Benefits for Today’s Workforce."

    March 6, 2025

    Find out more

    Employee Benefits

    Building Connections To Support Employee Mental Health

    Mental Health Awareness Month begins in May, but to emphasize mental wellbeing as a year-round priority, Alera Group is getting an early start on distributing our new Mental Health Awareness Toolkit. Designed and refined by our Wellbeing team, the Toolkit is an employer resource to help you and your employees adopt healthy activities, build social connections and erode stigmas that have long hampered discussion of mental health.

    March 4, 2025

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    Employee Benefits

    Weighty Matter: Obesity, GLP-1s and the Rising Cost of Healthcare

    Obesity and health problems associated with it — including heart disease and stroke, high blood pressure, several types of cancer, osteoarthritis, sleep apnea and more — are primary factors that must be considered as employers seek to contain healthcare costs for their employers, as well as for themselves.

    February 26, 2025

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