James O Bower Insurance
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Making a difference in people's lives. Reaching your community. That's what ministry means to us: making sure you have the protection you need to do the work that really matters. If you are a business owner, our commercial lines representatives help you analyze your insurance risks and provide a, no obligation quote of the appropriate coverage for your needs.

No matter where you are in your life we can help you through your journey. Young couples, families with youthful drivers, single parents, retired people. We have great plans for any stage of life. With a number of companies to choose from we tailor your personal insurance to fit your family. Please also ask us about Life Insurance, our agents will sit down with you and help you plan for the future.

We give you a proposal and leader guide to explain everything in a simple and understandable way. A Barna Group Research study has found that screening youth and children's workers is a hit-or-miss practice in today's churches. One out of every four pastors (23%) admitted their congregation has little or no protective screening processes for the people working with young people.
Services
We are committed to maintain a high standard of excellence in all that we do to establish a firm relationship of trust and stewardship with each client.
Our knowledgeable service team averages an impressive 30 years experience in the insurance business.
When you call our agency you will be directed to a staff member who is committed to helping you with your individual needs.
Our award winning sales team; located throughout the Northeast, really understand ministry protection.
Not only are they excellent insurance professionals, they are leaders in their work, church, and home.
James Bower, Sr. started as a life insurance salesman in 1963 and quickly became a sales manager before building a book of business in the Harrisburg area.
The Agency was founded in 1980 in the basement of the Bower home when Jim took his personal commitment to church and ministry a step further and began to focus on insuring Christian churches and ministry organizations.
In 1983, his son Jim Jr. came on board and together they became a leading church insurer in Pennsylvania.
James Bower, Jr. is the owner of this multi-generation family business and has taken that vision and expanded it to include several states in the Northeast and manages a sales staff of professionals that are nationally recognized for excellence and growth.
James O. Bower Insurance is a leader in insurance services for churches and ministries.
While offering standard insurance services to organizations, we also offer specialty insurance services that cover needs specific to religious organizations, including religious freedom protection coverage, broad scope cyber liability coverage, worldwide liability and medical coverage and more!
We have included a few documents that may help assist in the questions and concerns you may have as a ministry, but ultimately we advise you seek legal counsel on this matter as it is a PA State law, and only a licensed PA attorney can provide clear and specific guidance on these matters.
Keep checking back to our website over the next few weeks and months as we anticipate new information to be available, as well as possibly videos, podcast, or seminars that may be available for those interested on this important matter.
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