Rhode Island

Savings Tips

• If your Rhode Island business has employees that travel among the New England states and beyond, be sure that your workers' comp employment estimates are accurate. You must report payroll in every state where you have employees, otherwise, employees in that state may not be covered.
• Due to the hurricane and storm risk in Rhode Island, check your insurance policies for provisions addressing flooding and wind damage. These types of coverage may not be standard with a business property insurance policy, so you may need to purchase them separately. If you're not sure about the extent of your coverage, ask your Business Insurance Now agent for a free review of your current policy.
• Although most businesses in Rhode Island are covered by the state's Workers' Compensation Act, some corporate officers may be able to file a waiver for exemption. To find out if you're eligible, consult the Rhode Island workers' comp experts at Business Insurance Now.

Rhode Island Business Insurance

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In 2010, the Rhode Island General Assembly passed a new state income tax structure that was signed into law, setting the stage for a business boom in this beautiful New England state. ¹ Be sure that your Rhode Island-based company is poised for growth by protecting it with appropriate insurance coverage, including professional liability, general liability, property and workers' comp insurance. And keep in mind: As your business grows, your insurance needs may increase. To be sure your coverage keeps pace with your growth, contact Business Insurance Now for a free insurance needs assessment.

Rhode Island: Rich in History, Rich in Business

The nation's smallest state is rich with history. Home to many seafaring businesses as well as health care and tourism-centered industries, Rhode Island's charming towns and bustling cities are a great place to be in business. To protect your business investment and promote future growth, it's essential to have proper commercial insurance provisions, including general liability and professional liability insurance coverage.

Give us 15 minutes or less... and we'll have you covered! Start by getting our free, no-obligation online quote, and you're on your way to saving time and money!

Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or "BOP," this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client's location.

Professional Liability Insurance. Professional Liability or "Errors & Omissions" Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice -- or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers' Compensation Insurance. Required in many states, Workers' Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today's litigious workplace.