Ministry Insurance

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. Learn more…

Business Insurance

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. Learn more…

Personal Insurance

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. Learn more…

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Our sales process is helpful and easy! Start a discussion with us today!


Step 1

We examine your needs. Every organization is different and we tailor a plan to fit.

Step 2

We answer any of your concerns. You have questions, we have answers!

Step 3

We build a custom insurance program to exactly fit your needs.

Step 4

We give you a proposal and leader guide to explain everything in a simple and understandable way.

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Protect your children. Protect your ministry.

James O. Bower Insurance specializes in sexual misconduct prevention and insurance.

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. That equates to more than 70,000 Protestant congregations that do not give sufficient attention to protecting young people. … The study shows that many churches struggle with screening children’s and youth workers partly because they do not have the appropriate practices and procedures in place to anticipate and deal with diverse types of risk.”

Don’t let your church become a statistic. Learn what you can do. >>


The new Pennsylvania Child Protective Services Law

The Pennsylvania Child Protective Services Law that was signed into law Oct. 22, 2014, is something that all churches and […]

Here is what our customers say about James O. Bower Insurance:

To me, what’s crucial is the personal relationship. The responsiveness of James Bower Insurance has always been really great, and there’s a sense that what’s going on with us matters.
Chuck Wingate, Executive Director, Bethesda Mission
Occasionally I get calls from our churches about insurance, and the first thing that always comes to mind is the great experience we’ve had with James Bower Insurance.
David Waltz, Executive Director-Treasurer, Baptist Convention of PA-SJ