Encharter Insurance-Amherst

Business & Commercial Insurance, Insurance

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Mon - Fri:	8:30 am - 4:30 pm
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Email: Email Business
Brands: independent agents
Other Link: http://encharter.com
Categories: Business & Commercial Insurance, Insurance

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11/19/2008

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The best in town!

Blair, Cutting & Smith are the best around!

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Phone: (413) 549-4971

Address: Amherst, MA 01002

Website: http://encharter.com

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Encharter Insurance-Amherst

Auto Insurance
Bundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way. People often ask, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, so let’s explore this more.
Motorcycle Insurance
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which may cover the costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your local laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.

Renters Insurance
Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions. Your policy is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance but is specially designed for your particular condo.
Home Insurance
Your home is the center of your life. It’s also your biggest investment. That’s where home insurance comes in, covering the unique risks you face. We’ll help you find a policy that protects you from the small and large risks related to owning a home. Because it’s more than just a house, it’s your home.
Condo Insurance
Condo insurance covers your personal belongings inside your condo unit. That means everything from your appliances to your clothes may be covered in the event of a loss. Without it, you would have to replace your lost or damaged possessions out-of-pocket. Your policy may also cover damage caused by theft, fire, severe wind, lightning strikes, and frozen pipes. It’s important to note, however, that condo insurance does not usually cover flooding.
Landlord Insurance
First, you’ll need the same basic protections as with standard landlord insurance. These include coverage options such as personal liability and property damage, plus optional extras that are well worth considering, such as insurance against lost rent while a property is being repaired.

Business Insurance
A referral is the highest compliment you can give us. To show our appreciation, we are proud to offer a $25 Amazon gift card for referrals that receive a personal insurance quote, and a $50 Home Depot card for referrals that receive a business insurance quote.
Commercial Property Insurance
A commercial property insurance policy may help protect against the cost of replacing lost or damaged property. Additionally, insurance may cover any associated losses—such as lost income—that are caused because part or all of your business is temporarily unable to operate.
Workers Compensation Insurance
Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.
Commercial Liability Insurance
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
Professional Liability Insurance
Aside from property liability coverage, there’s an important difference to note between general liability, such as a customer slipping on a spilled drink, and professional liability, such as a bout of food poisoning from bad food or inadequate preparation. General liability may cover patrons who are injured on your property, as well as property damage, and may also protect you from potential lawsuits. Professional liability, on the other hand, may protect your restaurant if someone gets sick from spoiled food products.
Builders Risk Insurance
If you are doing improvement work on a property, such as a renovation or extension, you may need builders risk and installation insurance. This may help cover liability for injuries to construction workers and protect against damage to property, such as vandalism or severe weather while the property is still under construction and more exposed.
Restaurant Insurance
As a restaurant owner, you know the amount of work it takes to run your business on a day-to-day basis. You might also know the statistics about how tough it is to survive and thrive in the restaurant business. But did you know that getting a restaurant insurance policy may help give you a fighting chance by mitigating some of the risks involved in the food industry?

Liability Insurance
General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.

Natural Disaster

Flood Insurance
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Earthquake Insurance
If your rental property is located in an area prone to natural disasters, be sure to look into specific natural disaster insurance coverage as they often aren’t covered by your standard property insurance policy. Some insurance companies offer bundled coverage for natural disasters while others offer individual policies for flood insurance, hurricane insurance, earthquake insurance, and more.

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