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
Melissa Carbaugh
Personal Lines Account Manager
Melissa, “Missy,” is a Personal Lines Account Manager 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.
Veronica Cuevas
Personal Lines Account Manager
Veronica is a licensed insurance professional specializing in personal lines insurance, with experience in helping individuals and families protect what matters most. Her areas of focus include auto, homeowners, renters, and personal umbrella policies, and she works with a variety of trusted carriers to provide tailored coverage at competitive rates.
Veronica takes pride in offering a consultative and service-oriented approach, ensuring that each client fully understands their options and receives coverage that aligns with their specific risk profile and financial goals. She is committed to building long-term relationships based on trust, transparency, and responsiveness.
Outside of the office, she enjoys traveling, meeting new people and spending time with family and friends.
Gina Dietz
Accounting Manager
Gina joined the accounting team in 2013. As our Accounting Manager, her responsibilities include accounts receivable, accounts payable, and commissions. She holds a bachelor's degree in Business Administration.
In her spare time, Gina enjoys traveling with her husband and their two daughters.
Kaleigh Droneburg
Personal Lines Account Manager
Kaleigh’s duties as a Personal Lines Account Manager include helping clients maximize their coverage for the most competitive premium. She provides quotes for insurance policies per the client’s needs and assists clients with understanding their current and available coverage. In addition, she processes proof of insurance and invoices for lenders.
Kaleigh holds a bachelor’s degree from Towson University in Public Relations and Advertising with a minor in Marketing. She is individually licensed to write insurance in PA, MD, WV, VA and has worked in the insurance industry since 2019.
Her favorite part of her job is being responsive and efficient for her insureds.
In her free time, Kaleigh enjoys visiting new places and trying new activities with her husband, Cory, and sons, Cory Lee and Crue.
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
Designing Benefits for Early - and Mid-Career Employees
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career benefit strategies, review legal and compliance trends, and provide actionable tools and resources.
February 4, 2026 at 10:00 am CT | Virtual
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Employee Benefits
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.
February 11, 2026 at 12:00 pm CT | Virtual
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Property and Casualty
Top Cyber Threats of 2026 – and How to Mitigate Them
Cybercriminals have a new playbook—your business could be next.
February 17, 2026 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
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
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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
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Employee Benefits
Legal Alert: Agencies Clarify How Certain Fertility Benefits May be Treated as Excepted Benefits
This alert is of interest to all employers that offer fertility benefits or may be interested in offering fertility benefits in the future.
November 4, 2025
Find out more Property and Casualty
Top 5 Insurance Surprises Businesses Face in Q4 — and How to Prevent Them
As year-end approaches, many organizations focus on closing out financials and planning for the year ahead. It’s also the time when insurance programs often reveal unexpected challenges, some avoidable, others the result of shifting market conditions or overlooked details.
October 30, 2025
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