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
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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Employee Benefits
Dynamic Data: Strategies for Success
Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.
July 17, 2025 at 01:00 pm CT | Virtual
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Employee Benefits
Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package
In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.
August 21, 2025 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Employee Benefits
Reminder: PCORI Fees Due By July 31, 2025
Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2025 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS.
June 3, 2025
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Employee Benefits
Benefits Captives: Your Business and What Your Competitors Are Doing
In one form or another, Captive Insurance has existed as a risk management solution for many decades — originally for property and casualty coverage and primarily for large employers. But its viability as a solution for employee benefits and for midsized businesses has increased dramatically in recent years, fueled by volatility in the insurance market in general and by the skyrocketing cost of health insurance in particular.
May 29, 2025
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Agencies Push Pause Button on Enforcement of MHPAEA 2024 Final Rule
On May 15, 2025, the Department of Labor, Department of Health and Human Services, and the Treasury Department (collectively, the “Agencies”) released a statement regarding the Agencies’ recent request for abeyance of a lawsuit filed by the ERISA Industry Committee (“ERIC”) in the U.S. District Court for the District of Columbia that challenged certain aspects of Mental Health Parity and Addiction Equity Act (MHPAEA) Final Rule (“2024 Final Rule”) relating to nonquantitative treatment limitation comparative analyses (“NQTL analyses”).
May 16, 2025
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IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits
In Rev. Proc. 2025-19, the IRS released the inflation adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.
May 5, 2025
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