Rhode Island Business Insurance

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Choose The Hartford for Your Rhode Island Business Insurance Needs

Rhode Island business insurance Rhode Island has almost 100,000 small businesses.1 In 2018, these businesses had over 224,000 employees, making up 98.9% of all the companies in the Ocean State.2
At The Hartford, we’re here to help keep these RI small businesses on the path to success, offering insurance options made for them. Whether your company is in Providence, Newport, Bristol or anywhere else in the state, we can help protect you with RI business insurance. Backed by over 200 years of experience, we know all small business owners have different insurance needs.
Learn more about the small business insurance and other types of commercial insurance we offer.

Types of Rhode Island Business Insurance Offered

Rhode Island Business Owner’s Policy Insurance

A Rhode Island Business Owner’s Policy (BOP) is a good starting point for small business insurance. It combines three important coverages into one policy:
General liability insurance helps protect your Rhode Island business from claims that you caused bodily injuries or property damage. General liability coverage can also help protect you from certain claims of libel or slander.
Commercial property insurance helps protect the physical location of your business and the equipment you use. This coverage applies whether you own or rent your business property.
Business income insurance helps replace your business’ lost income if you can’t open because of property damage.
A BOP can be a good idea for your business if:
  • You deal directly with customers.
  • Your business has a physical location, such as your home or an office.
  • You have business property that can get stolen or damaged, like furniture, cash and inventory.

Rhode Island Data Breach Insurance

Data breach insurance helps protect your business if it loses personally identifiable information. This insurance can help cover your costs to:
  • Notify affected customers or employees
  • Run a public relations campaign
  • Offer fraud monitoring services
Rhode Island small business insurance You can buy cyber liability insurance as a standalone policy. Our Cyber Security Services team can help you follow your state’s data breach laws, manage cyber risks and take action if a cyber-attack occurs.

Rhode Island Professional Liability Insurance

Professional liability insurance is also called errors and omissions (E&O) insurance. It helps protect your Rhode Island business if you’re found negligent in the professional services you provide. It’s always good to have professional liability insurance if you work with customers.
E&O insurance can help protect your business in many situations, including:
  • Your interior designer uses materials for a job that weren’t agreed upon ahead of time
  • One of your customers believes their decline in sales is due to a logo your graphic design firm created
  • A staff member makes an error on a brochure and your client suffers a financial loss
These situations can have costly legal impacts for you and your business. But if you're sued for mistakes like these, professional liability insurance can help cover your legal costs.

Rhode Island Commercial Umbrella Insurance

Commercial umbrella insurance gives your business extra liability coverage to help protect you from potentially disastrous claims, helping extend the limit of your primary insurance policies. That way, if an insurance claim exceeds your policy limit, this coverage can help cover the difference.
Without it, you may have to pay out of pocket for things that exceed your policy limits, such as damages, legal fees and medical bills.
A commercial umbrella insurance policy can help protect your business if:
  • An advertising error results in a lawsuit against your company, and the legal fees and settlements exceed your primary business liability coverage limits.
  • A customer falls in your office, gets injured and their medical costs exceed your general liability policy limits.

Rhode Island Minimum Business Insurance Requirements

There are some types of business insurance you need to have for your business, like workers’ compensation insurance. Rhode Island’s workers’ compensation system is a form of no-fault insurance. It gives benefits to your employees if they get hurt or sick from their job.
In Rhode Island, businesses with one or more employees need to carry workers’ comp insurance, unless they’re exempt by law. You can get workers’ comp from private insurance carriers, like The Hartford.

Additional Rhode Island Business Insurance Links

Get a quote on Small Business Insurance for your business today.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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