Contractors Insurance in Rhode Island

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Why do general contractors need insurance in Rhode Island?

The Ocean State has a thriving construction industry. There are over 8,780 sole traders in the field, many of whom are registered as general contractors.

Construction sites are often hazardous places to work. A simple accident could create costly liability issues for small-scale businesses, whether you work on residential or commercial projects. Contractor insurance can protect your Rhode Island company from accidents and delays.

Contractor insurance is the shorthand name for different types of insurance that contractors may consider.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Learn more about Rhode Island contractor insurance and learn how BizInsure helps you find insurance from top-rated carriers.

Who may need contractor insurance in Rhode Island?

Many contractors purchase insurance to protect both their business and finances. General Liability insurance and other forms of insurance provide you with an essential security net to safeguard your business and yourself.

Certain types of insurance may be required to work with certain clients (a condition that is usually written into business contracts).

Choose your occupation to learn more about the insurance options that are available, and then request a quote for a custom insurance quote.

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What insurance do contractors need in Rhode Island?

There are a variety of insurance for contractors that Rhode Island tradespeople typically take into consideration. These insurance policies can help you mitigate the common risks that general contracting companies have to face.

General Liability Insurance

Construction sites are unpredictable. A simple mistake, such as placing your toolbox in the wrong place–could result in a huge headache for your business in the event that someone gets hurt because of the mistake you made.

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Rhode Island General Liability Insurance protects your financial security by covering legal costs when someone claims you caused injury to them or damage to their property. It can also pay to fix the situation (up to the limits of the policy) by covering medical bills, repair costs or replacement expenses.

Business Owner’s Policy

The construction industry is not without difficulties. The construction industry is prone to interruptions of projects, broken tools and other mishaps.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

BOPs can be customized to fit the needs of your company. It is an affordable and convenient way to protect yourself from many of the common risks faced by general contractors.

Workers’ Compensation Insurance

You are responsible to ensure the well-being and health of your employees as they are working.

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

In Rhode Island, Workers’ Compensation insurance is mandatory for employers with one or more employees.

What does contractor insurance cover in Rhode Island?

Contractor’s insurance can protect your business and you from a variety of risks. Depending on the types of coverage you select you could be protected for situations like:

  • Third-party property damage and injury claims (General Liability Insurance for Rhode Island contractors)
  • Unexpected disruptions to business (BOP)
  • Equipment breakdown (BOP)
  • Employees are ‘injured and ill-healthed at work (Workers’ Compensation)

How much does contractors insurance cost in Rhode Island?

The costs of business insurance differ because insurers have to take into consideration a range of variables. The cost of insurance for your business will depend on:

  • You can choose the kind of insurance protection you require.
  • Your business size (annual revenue).
  • How many people is the policy going to be able to cover?
  • Your claim your history
  • Which coverage should you choose?

How to get business insurance for general contractors?

The protection of your contracting business is simple by using BizInsure.

You can get multiple quotes in just 10 minutes, and choose the most appropriate coverage that fits your budget and requirements. You will receive your policy documents immediately via email.

Need some assistance? Our agents with licenses are here to assist at any point along the way!

Compare quotes for Rhode Island general contractors now to find the most affordable coverage.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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