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How to Avoid Hitting Deer on the Road

Deer, though they may be cute, pose an imminent threat to drivers.  They often get startled and can run into the road without warning.  In the United States, the deer population continues to increase and the danger of hitting a deer is rising as well.  According to the III, the average cost per collision claim is approximate $2,800.  The cost... Read More

A Guide to Boat Insurance Coverage

Boats are cars on water...okay, maybe they are a little bit more fun. Driving a boat is exciting and relaxing - wind in your hair. Planning to take your boat out soon? Perhaps during Memorial Day Weekend? Aside from the usual things you need to do before boating season to prepare your boat, be sure you have boat insurance. The same way you... Read More

Do I Need Commercial Plates?

If you’re a business owner, chances are you will find yourself needing Commercial Vehicle Insurance. While your basic business insurance policy can give you the coverage you need for lawsuits, employee injuries, unexpected losses, and more, it does not provide coverage for vehicles you use for business. Your basic business insurance policy wouldn’t cover charges that may come with an... Read More

commercial license plates

If you’re a business owner, chances are you will find yourself needing Commercial Vehicle Insurance. While your basic business insurance policy can give you the coverage you need for lawsuits, employee injuries, unexpected losses, and more, it does not provide coverage for vehicles you use for business. Your basic business insurance policy wouldn’t cover charges that may come with an accident. Commercial vehicle insurance can protect your business and your vehicles  in the case of an accident, especially if another driver or someone else’s property is involved.  But in addition to your commercial vehicle insurance, you may need commercial plates.

Commercial PlatesWhether you have Commercial Vehicle Insurance or not, you may find yourself wondering if you need commercial plates for your vehicle.  If you have signage or lettering on your vehicle, then you will need commercial plates . Even if you have magnetic lettering that can be removed, it’s a must to have commercial plates on your vehicle. You may also
need commercial plates if your vehicle exceeds personal gross weight limits. Check with full restrictions based on your state, but even if you have  a large truck for personal use, at a certain weight, it requires commercial plates.

In Massachusetts, the commercial plate you need will depend on the industry and trade that you are in.  For example, a farmer can get a special farmer plate while a person who does repairs will have a repairer plate. Talking to an agent or inquiring at the DMV will help you get the appropriate plate for your business.  To get more information about MA commercial plates, read this FAQ by the MA Registry of Motor Vehicles.

If you have questions about whether your vehicle should be on a commercial auto insurance policy instead of
a personal policy or whether or not you need commercial plates, give our agents a call! It is better to be safe than sorry, especially when it comes to protecting your business. Our agents can take the
time to review your policy and make sure your commercial car insurance covers the needs of you and your business. They can share coverage options and even discounts with you, helping you get the best coverage and an affordable price.

We’re always happy to help out!  Call Encharter at 888.865.1244!

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7 DIYs to Improve Your Home’s Curb Appeal

  This is the perfect time to get outside and start enjoying the sun!  Improving curb appeal is a great weekend activity that can increase the value of your property.  It’s also a fun neighborhood activity that can bring you closer to your community.  Improving your curb appeal doesn’t need to be a tedious and difficult undertaking.  There are some... Read More

Small Business Growth and Insurance

Do you find your small business starting to grow? Small business growth can mean hiring more employees, opening another location, expanding the size of your factory, or adding to your inventory. These changes mean that you may need to up your insurance coverage. You need to be sure you are keeping your commercial lines agent up-to-date on changes that could affect... Read More

April Fools Pranks

It is always tough to figure out pranks that will be funny, but not go too far. Luckily, we have found some pranks that will scare your friends but are completely harmless.  Getting insurance involved in your fun prank should be the least of your concerns! Wormy Apple – Take some gummy worms and place them all over the fruit in your household. Pack... Read More

april fools pranksIt is always tough to figure out pranks that will be funny, but not go too far. Luckily, we have found some pranks that will scare your friends but are completely harmless.  Getting insurance involved in your fun prank should be the least of your concerns!

Wormy Apple – Take some gummy worms and place them all over the fruit in your household. Pack them in lunches for your family and see how long it takes them to react!

Wacky Milk – A few drops of food coloring will do the trick. Your friends will cringe as the moldy
looking milk that is still just as tasty to drink!

Break the Computer Screen – There is a desktop background which creates the illusion that the screen is cracked. While your coworker is away from their desk, change the background so once they return, they will think there is a break in their LCD screen!

Taped Light Switch – A very simple yet effective prank. With some clear tape, place the switch down so it can’t be flicked on. Watch as anyone struggles with this simple task!

Take The Call – Again, some tape is needed. While someone is away take their cell phone and place it on the underside of their chair. Wait for them to return and call them. Watch the walk around confused  as they try to figure out where it could be.

Have a prankster in your life? Make sure that your home is covered in case someone pulls a prank and doesn’t follow our tips. With NJ Home insurance,  you can rest easy knowing your household is safe regardless of any accident.

Call us today to set you up with a policy!

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