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
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.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Maximizing Impact: The Value of Voluntary Benefits for Today’s Workforce
In this session, our experts will showcase the value of voluntary benefits, from financial savings to improved retention to addressing the specific needs of their employees.
March 20, 2025 at 01:00 pm CT | Virtual
Sign Up
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
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
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
Find out more 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
Find out more