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In Rhode Island, an employer must carry Workers' Compensation coverage unless that employer has fewer than four employees. Licensed real estate brokers or salespersons, or licensed or certified real estate appraisers are exempt depending on the amount of commission they receive.

RI Workers' Comp: Key Details

  • Sole proprietors and partners in Rhode Island are excluded from Workers' Compensation coverage. They cannot elect to be included, according to Rhode Island laws.
  • Those exempt from Rhode Island Workers' Compensation coverage include…
    • Sole proprietors.
    • Partners.
    • Independent contractors.
    • Certain real estate, agricultural, and domestic service employees.
  • Beacon Mutual Insurance Company is Rhode Island's competitive state fund. You may secure coverage by purchasing it through the state's pool, working with a private insurance provider, or self-insuring, if eligible.

Learn more about how Workers' Comp works in Rhode Island from the state's Department of Labor and Training.

Workers' Compensation Insurance Laws By State