"To incur a charge" means that you will have to pay for something. It means there is a cost or fee associated with a certain service or action that you will need to pay. Full definition
Workers compensation is identified as a policy that is being issued to one business owner that supplies him with insurance coverage for incurring the charges of work - related damages to his employees. (theglobaldispatch.com)
If you want to opt out of the loan pay it off early, you are welcome to do so without incurring any charges. (kingofkash.com)
Nevertheless, beyond these privileges, you will typically incur charges for making extra payments. (mortgagetalkcanada.ca)