All business-owned vehicles in Rhode Island must be covered by commercial auto insurance. Rhode Island requires $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
In Rhode Island, individuals who sell insurance – not business entities – are licensed by the state. Insureon has agents on staff who are licensed in Rhode Island for property and casualty insurance. For licensure details, please contact us.