A few minutes can save you up to 65% or more with
Rhode Island’s top contractors' insurance programs –
Contractors
Insurance
Rhode Island
Rhode Island
Contractors Insurance
Stop overpaying for coverage in the Ocean State!
A few minutes can save you up to 65% or more with Rhode Island’s top contractors’ insurance programs –
Coverage for Rhode Island Contractors
With unparalleled access to the nation's top construction specialty programs, our Rhode Island Contractors Insurance products offer comprehensive coverage at prices suitable for any budget –
What is Rhode Island Contractors’ Insurance?
Rhode Island contractors’ insurance serves as a crucial shield against the various financial risks inherent in all phases of business operations.
Why Do I Need It?
From Woonsocket to Westerly, builders and trade specialists of all types and sizes across various sectors in Rhode Island face a multitude of risks on job sites. Amidst these lurking hazards, business proprietors must rely on adequate insurance coverage to safeguard against common risks encountered in day-to-day activities. Safety hazards, labor shortages, escalating material costs, and theft represent inevitable operational challenges that can significantly impact a project’s integrity and final outcome. Operating without sufficient coverage poses an avoidable risk that should be treated seriously, given the potentially catastrophic consequences of unforeseen losses, which could plunge a company into insolvency overnight.
The primary method to safeguard your business is by partnering with a contractors’ insurance provider. These specialized policies, written specifically for the construction industry, assume the specified exposure in exchange for a premium, thereby mitigating financial losses arising from third-party legal actions.
Protect Against the Unpredictable
Before commencing operations, all contractors should consult the Rhode Island Contractors’ Registration and Licensing Board to confirm compliance with pre-licensing and insurance requisites.
Backed by dependable customer service, our licensed professionals stand ready to assist Rhode Island contractors, subcontractors, and tradespeople in navigating the process of securing an affordable contractors’ insurance package tailored to your business requirements, providing you with the support and guidance you need.
Our Recommended Products
General Liability
General Liability
A Rhode Island contractors’ general liability policy is integral to a well-built commercial insurance portfolio.
Rhode Island contractors’ general liability insurance safeguards companies from third-party action, injury, and property damage claims.
A Rhode Island contractor business liability policy — also known as Rhode Island contractors’ commercial liability insurance puts a financial hedge around your business that protects you with the following coverages:
- Contractual Liability
- Business Liability
- Products & Completed Ops
- Defense Costs
- Much More
Workers' Comp
Workers' Comp
Rhode Island contractors’ workers’ compensation is a form of no-fault insurance designed to assist employees injured at work for medical expenses and/or lost wages.
Rhode Island contractors’ workers’ comp insurance provides:
- Medical Benefits
- Disability Benefits
- Fatality Benefits
An employer failing to provide the required Rhode Island contractors’ workers’ comp insurance may be subject to state-imposed fines and penalties.
Please log on to the State of Rhode Island Department of Labor and Training website to verify Rhode Island contractors’ workers’ compensation laws and insurance prerequisites.
Surety Bonds
Surety Bonds
Rhode Island contractor surety bonds protect the consumer by ensuring the contractor (principal) will abide by the applicable terms outlined in the awarded contract.
Various projects require a Rhode Island contractors’ surety bond before bidding on a construction project or commencing operations.
Commercial Auto
Commercial Auto
A Rhode Island contractors’ commercial auto policy protects your company vehicles involved in an accident, stolen, vandalized, or other covered peril.
Rhode Island contractor commercial auto insurance covers your business vehicles for liability when you or an insured driver are found liable for an at-fault accident.
A Rhode Island contractors’ business auto policy — also known as a Rhode Island contractor commercial auto policy, provides crucial coverage for:
- Combined Single Limits (CSL)
- Bodily Injury & Property Damage
- Comprehensive & Collision Damage
- Uninsured & Underinsured Motorist
- Hired & Non-Owned Vehicles
- Medical Payments
- And Much More
Inland Marine
Inland Marine
Also known as Rhode Island contractor inland marine insurance, the Rhode Island contractor tool and equipment policy will reimburse business owners for tools, equipment, and mobile machinery damaged or stolen at a job site, in transit, or while in off-site storage.
Rhode Island contractors’ inland marine insurance provides broad property coverage against such common perils:
- Theft
- Fire
- Wind
- Hail
- Water Damage
A Rhode Island contractor inland marine policy will provide “installation” and “builders risk” coverage.
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