facebook pixel

Rhode Island Contractor Insurance

The Insurance You Need Fast, Cheap & Easy!

From Rhode Island Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance More We Are Your Easy & Stress Free Construction Insurance Provider in Rhode Island!

contractors liability insurance
Berkshire Hathaway Guard Insurance companies logo
Dovetail a victor company logo
Travelers logo Icon with transparency
Nationwide Logo with transparency
Tokio Marine HCC logo
Distinguished programs logo

Business Insurance for Contractors in Rhode Island

As a contractor in Rhode Island, you know that your work can be both rewarding and challenging. From managing budgets and timelines to ensuring the safety and satisfaction of your clients, you have a lot on your plate. That’s why it’s important to protect your business with the right insurance coverage.

Contractor insurance, also known as a business insurance policy for contractors, is a type of insurance that provides protection for contractors and their businesses. This coverage can help protect your business from financial losses due to accidents, injuries, property damage, and other risks that can arise during the course of your work.

Rhode Island Contractor General Liability Insurance

General liability insurance is an important type of coverage for contractors in Rhode Island. It protects against financial losses resulting from injuries or damage to property that may occur on a construction site or as a result of the contractor’s work. This type of insurance can cover medical expenses, legal fees, and damages awarded to the injured party.

In Rhode Island, it is typically required for contractors to carry general liability insurance as a condition of obtaining a contractor’s license. The amount of coverage required may vary depending on the type and size of the project. It is important for contractors to carefully evaluate their insurance needs and choose a policy that provides adequate protection.

Rhode Island Workers' Compensation Insurance

Workers’ compensation insurance is another important type of coverage for contractors in Rhode Island. It provides benefits to employees who are injured on the job, including medical care and lost wages.

In Rhode Island, employers are required to carry workers’ compensation insurance if they have at least one employee, including part-time and seasonal employees. The amount of coverage required is based on the number of employees and the type of work being performed.

It is important for contractors to carefully evaluate their insurance needs and choose a policy that provides adequate protection for their employees. In the event of a workplace injury, workers’ compensation insurance can help to ensure that employees receive the medical care and financial support they need to recover and return to work.

Rhode Island Commercial Auto Insurance

Commercial auto insurance is a type of insurance that covers vehicles used for business purposes. In Rhode Island, it is typically required for contractors who use their own vehicles or those of their employees for work-related tasks. This includes pickup trucks, vans, and other vehicles used to transport equipment and materials to and from job sites.

Commercial auto insurance can protect against financial losses resulting from accidents, theft, and other covered events. It can cover damages to the vehicle, as well as medical expenses and legal fees for injuries sustained in an accident. It is important for contractors to carefully evaluate their insurance needs and choose a policy that provides adequate protection for their business.

Rhode Island Builder's Risk Insurance

Builders risk insurance, also known as course of construction insurance, is a type of insurance that covers property damage or loss to a building under construction. It can protect against financial losses resulting from fires, storms, and other covered events that may occur during the construction process.

In Rhode Island, it is common for contractors to purchase builders risk insurance to protect their investments in a construction project. The amount of coverage required may vary depending on the size and complexity of the project. It is important for contractors to carefully evaluate their insurance needs and choose a policy that provides adequate protection.

Rhode Island Inland Marine Insurance

Inland marine insurance is a type of insurance that covers property that is transported by land, such as equipment and materials used in construction projects. It can protect against financial losses resulting from theft, damage, or loss of the insured property.

In Rhode Island, it is common for contractors to purchase inland marine insurance to protect their investments in expensive equipment and materials. The amount of coverage required may vary depending on the value of the property being insured. It is important for contractors to carefully evaluate their insurance needs and choose a policy that provides adequate protection.

Rhode Island Commercial Umbrella Insurance / COI

Commercial umbrella insurance is a type of insurance that provides additional liability coverage above and beyond the limits of other policies. It can protect against financial losses resulting from large or unexpected claims, such as those arising from accidents or injuries on a construction site.

In Rhode Island, it is common for contractors to purchase commercial umbrella insurance to provide additional protection for their business. This type of insurance can help to ensure that contractors have adequate coverage in the event of a large or unexpected claim.

Rhode Island ACORD Certificates

ACORD certificates are documents that provide proof of insurance coverage. In Rhode Island, contractors may be required to provide ACORD certificates to show that they have the necessary insurance coverage for a particular project.

ACORD certificates typically include information on the type and amount of coverage, as well as the policy effective and expiration dates. They may also include the name and contact information for the insurer and the insured party.

Business Insurance for Contractors in Rhode Island

Business insurance is an important consideration for contractors in Rhode Island. It can protect against financial losses resulting from accidents, injuries, and other unexpected events that may occur on a construction site or as a result of the contractor’s work.

There are a variety of business insurance options available to contractors in Rhode Island, including general liability insurance, workers’ compensation insurance, commercial auto insurance, builders risk insurance, inland marine insurance, and commercial umbrella insurance. It is important for contractors to work with us while evaluate their insurance needs so that they may choose policies that provide adequate protection for their business.

We are a reputable insurance broker and our agents can be quite helpful in finding the best coverage at the most competitive prices.

Texas Locations

We Have Texas Covered

San Antonio

Dallas

Austin

Fort Worth

El Paso

Arlington

Corpus Christi

Plano

Irving

Lubbock

lAREDO

Your Rhode Island Contractors Insurance Questions Answered

Get answers to your most common questions from Contractors Liability

For General Liability Insurance in Rhode Island you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Rhode Island are $1,000,000/$2,000,000.

For Commercial Auto Insurance in Rhode Island you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Rhode Island vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Rhode Island covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.

For Workers Compensation Insurance in Rhode Island you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable up to $500,000. In 99% of cases the owner is not liable and coverage for workers compensation is unlimited.