Contractors Insurance in Rhode Island

  • Compare quotes in minutes, with no obligation to buy
  • Buy online and receive coverage confirmation – instantly
  • Access only top-quality insurance companies (A-rated or better)

Get instant quotes

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.

Customer service icon

Contact our licensed agents

You can relax once you know that the insurance you choose is suitable for your needs with a cost that is competitive.
BizInsure agents are licensed and well-informed to help you choose suitable products.

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.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Quick and easy....
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Very satisfied with the online experience
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
Love it
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
The agent was quick and efficient in generating a quote for my needs.
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Very easy to sign up for insurance.
Great company
Fast and efficient!
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
js_loader
Google Rating
4.7
Based on 276 reviews
×
js_loader