Rhode Island General Liability Insurance

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Rhode Island General Liability Insurance Policy Information

RI General Liability Insurance

Rhode Island General Liability Insurance. RI general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Rhode Island general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in RI.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Rhode Island general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your RI business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Rhode Island general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With RI general liability insurance, such issues are adequately handled.
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RI General Liability Insurance Cost

The cost of your Rhode Island general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

RI General Liability Insurance By Industry

Small Business

Protect your company and employees with RI commercial insurance. Read informative articles on Rhode Island small business insurance coverages - and how they can help shield your company from legal liabilities.

Construction Contractors

Learn about Rhode Island construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your RI construction business from lawsuits.

Contractors and Home Improvement

Learn about Rhode Island contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your RI business from lawsuits.

Commercial Property

Read up on Rhode Island commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Professional Services

Get informed about Rhode Island professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Advertising, Marketing and Media

Learn about Rhode Island media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Real Estate

Learn about Rhode Island real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable Rhode Island retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Auto Service and Repair

Read about Rhode Island auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

Health and Beauty

Learn about Rhode Island health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Rhode Island IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Food and Drink

Learn about Rhode Island restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Medical and Dental

Discover Rhode Island business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Manufacturing and Wholesale

Read informative articles on Rhode Island manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.

Education, Colleges, Universities & Schools

Learn about Rhode Island commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Sports and Fitness

Learn about Rhode Island sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Children and Pets

Discover what Rhode Island commercial insurance policies cover for children and pet related businesses.

Miscellaneous

Find informative articles on miscellaneous RI businesses including the types of commercial insurance they need, costs and other considerations.

Non-Profit

Find useful articles on business insurance for Rhode Island non-profit 501(c)(3) organizations, charities and associations.

Arts and Recreation

Read up on Rhode Island arts and recreation commercial insurance.

Agribusiness

Learn about RI agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Commercial Auto

Learn about Rhode Island commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Rhode Island General Liability Insurance Information

RI Commercial Insurance Articles

Read informative articles on Rhode Island commercial insurance including costs and coverages.



Rhode Island Economic Data, Regulations And Limits On Commercial Insurance

Made In Rhode Island

If you are considering starting a business, it's important that you choose the right location for your operation. Ensuring that the area offers the right market and demographics that will benefit from and be interest in the goods and/or products that your business intends on providing are vital for your success.

If you are thinking about starting a new company in Rhode Island or would like to expand the operations of an existing company into the state, it's crucial that you ensure the state offers a healthy climate that will allow your business to reap as much success as possible.

By assessing the employment rate of a state, as well as the key business sectors that are thriving there, you can determine if Rhode Island is a practical location for your company. Additionally, to ensure that you are in compliance with the law, it's imperative that you are aware of the commercial insurance coverage that business owners are required to carry in the state.

Below, we offer an overview of the economic trends and commercial insurance requirements in the Plantation State so you can determine if it will be a good location for your business.

Economic Trends For Business Owners In Rhode Island

As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Rhode Island was 3.5%, which was on-par with the national average, which was also 3.5% at the same time.

Economists credit favorable taxes, the close proximity to regional markets, and the diverse workforce for the state's health economy.

In regard to locations within the state that offer the best opportunities in the Ocean State, urban areas are ideal. This includes:

  • Cranston
  • Newport
  • Pawtucket
  • Providence
  • Warwick

The suburban regions that surround the state's metropolitan areas also offer favorable conditions for businesses.

Businesses of varying sizes and in a variety of industries are thriving in RI. At the time of writing, the sectors that are seeing the most activity in Rhode Island include:

  • Construction
  • Education
  • Entertainment
  • Financial services
  • Government
  • Health care
  • Hospitality and tourism
  • Information
  • Manufacturing
  • Professional services
  • Retail
  • Transportation
  • Wholesalers
Commercial Insurance Requirements In Rhode Island

The Rhode Island Division of Insurance Regulation regulates insurance in RI. Rhode Island mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Rhode Island requires you to have worker's compensation insurance if you have four or more employees on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Rhode Island also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Rhode Island General Liability Insurance quote in Barrington, Bristol, Burrillville, Central Falls, Charlestown, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Foster, Glocester, Hopkinton, Jamestown, Johnston, Lincoln, Little Compton, Middletown, Narragansett, New Shoreham, Newport, North Kingstown, North Providence, North Smithfield, Pawtucket, Portsmouth, Providence, Richmond, Scituate, Smithfield, South Kingstown, Tiverton, Warren, Warwick, West Greenwich, West Warwick, Westerly, Woonsocket and all other cities near me in RI - The Ocean State.

Also find Rhode Islan insurance agents & brokers and learn about Rhode Island small business insurance requirements for general liability, business property, commercial auto & workers compensation including RI business insurance costs. Call us (401) 371-8771.

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