Business Insurance in Rhode Island

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What are the requirements for small business insurance in Rhode Island?

State laws can affect which insurance policies you need for your small business. These policies are required for Rhode Island businesses.
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Workers' compensation insurance

With some exceptions, Rhode Island state law requires businesses with four or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
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Commercial auto insurance

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.

Recommended insurance policies for small businesses in Rhode Island

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Rhode Island business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Rhode Island business insurance

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.

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