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Starting a business in Rhode Island opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Rhode Island business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Rhode Island requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
When it comes to insurance, this is the first type of policy you need to purchase. General Liability insurance gives you peace of mind in knowing that in a property damage or bodily injury is fully protected.
The building you own or lease for your business can be at risk of theft, fire and natural disasters. Commercial Property insurance is a protection to the building for these occurrences. It also protects the contents inside of it. The insurance can pay for the costs of repairing the damages or replacing the contents of the property.
A Workers' Compensation provides sick or injured workers with medical care, relinquishment of lost wages, and survivor benefits in case of fatalities. The employee, in turn, will waive the right to sue his employer under common law.
Your vans, trucks or other commercial vehicles come with many risks. When you use vehicles for business purposes, a Commercial Auto insurance is crucial in protecting your business from vehicle-related accidents.
When your business offers professional advice, like health and financial advice, you are at risk for being sued when an error in judgment occurs. When you are deemed liable, Professional Liability insurance will protect you from the costs associated with the negligence made by the customer or your client against your business.
Being a doctor isn't easy. They spend many years of education to provide the best services to their patients. When there's an error in the judgment of the doctor or any wrongful practice happens, Medical Malpractice insurance protects your doctors. The insurance also protects the doctor when a client is unhappy with the results of the doctor's advice or services.
Even small business can face trial for defending innocent mistakes like physical damage and property damage. These expenses would put a huge dent in your pocket. It is highly recommended to protect your finances when these occur.
The amount of insurance you need for your business depends on the type of business you own and your financial stability. A general rule of thumb is to carry at least $1000 per occurrence.
No. Your business needs to carry Workers' Compensation coverage if you have more than four employees in Rhode Island.
Every business is different but you can start with General Liability insurance and Workers' Compensation if you have more than four employees. You'll also need Commercial Auto insurance if you use vehicles to conduct your business operations.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: