This type of business liability insurance is important for all Rhode Island businesses. It covers common third-party risks, and it's required by most commercial leases.
This policy, also called errors and omissions insurance (E&O), protects Rhode Island businesses that provide professional services or advice. It covers lawsuits related to work performance.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Rhode Island businesses that handle credit card numbers and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Rhode Island business.
Workers’ comp insurance is required for RI businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Rhode Island. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
State laws affect which business insurance coverage you need. These policies are required everywhere in Rhode Island, from Providence to Warwick.
Workers' comp covers medical bills for on-the-job injuries and illnesses. It also provides disability benefits to injured Rhode Island workers, and shields employers from legal costs related to workplace injuries.
Rhode Island's minimum requirements for auto liability insurance are:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).
Insureon's expert insurance agents can help you find policies that fulfill Rhode Island's requirements and your business insurance needs. Once you've purchased a policy with us, you can download a certificate of insurance by logging into your account.
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.