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25 University Drive, Amherst, MA

Distractology Kickoff!

Encharter Insurance and Arbella Insurance are excited for the start of our Distractology program at Amherst-Pelham Regional High School this week! Distracted Driving is no joke. According to the National Highway Traffic Safety Administration, in 2015, a distracted driver was involved in 21 of 291 fatal car crashes in Massachusetts. Even though the state has a texting-and-driving ban issued in 2010, distracted driving... Read More
cyber insurance checklist

Cyber Insurance Checklist

A cyber attack could happen to any business, big or small. Many small businesses feel as though they are too small to be targeted. However, since small businesses often have this mindset, hackers will frequently go after small businesses knowing that they probably do not have the security measures in place to deter them. It's important to assess your cyber... Read More
gap insurance

What is Gap Insurance?

When you buy a new car, the moment you drive ut off the lot, the car is now considered a used car. For this reason, the value of the car decreases dramatically. Gap insurance helps covers the gap between what your vehicle is worth, and what you would have to pay if you car was in a collision. It can... Read More
EPLI

EPLI – Employment Practices Liability Insurance for Small Businesses

What is EPLI? EPLI stands for Employee Practices Liability Insurance. It is a form of commercial insurance that helps protect your business from incidents regarding the employment process.   What does it cover? Though coverage varies from policy to policy, these are some common employee lawsuits that EPLI may cover: Sexual Harassment Mismanagement of benefit plans Wrongful infliction of emotional... Read More
back to school insurance

Back to School Insurance Checkup!

With school starting in the next week or two, it’s important to do a quick insurance check up. The new school year is here, and it’s the perfect opportunity to reevaluate your insurance policies. There could be changes this year, so it’s never a bad idea to give your coverage a tune up to prepare for the future.   Auto... Read More
umbrella insurance

Why You Need Umbrella Insurance for Your Small Business

Umbrella insurance may not always be the first thing you think of when buying insurance for your small business. However, as a small business owner, an umbrella insurance policy can be useful when unexpected incidents occur.   What is Umbrella Insurance? A commercial umbrella insurance policy has two purposes. The first is that a commercial umbrella insurance policy extends the... Read More
insurance moving tips

Insurance Tips for Moving

Moving is stressful! Boxes and boxes of your stuff need to be transported from one home to a new one. Sometimes stuff accumulates without notice and suddenly the task is so much more difficult than anticipated. However, moving can also be exciting. It’s a time to restart and it’s a new beginning. Out with the old and cheers to a... Read More
errors and omissions

What Are Errors & Omissions?

Errors and omissions is a form of business liability insurance. It helps protect businesses and professions who give advice or perform services. It is also known as professional liability insurance. If your business fails to perform your professional duties or there are claims of negligence against you, this E&O coverage will help protect you.   Why Do I Need it?... Read More

How to Prepare For House Fires

A fire can be devastating to your home. In 2015, there were 1,345,500 fires reported in the US alone. These fires resulted in 3,280 deaths and 15,700 injuries. There was a total of $14.3 billion in property damage. Fires can destroy the property and its contents, and it can be life threatening. If your home catches on fire, you have... Read More