Rhode Island Small business insurance (RI) is necessary for any business owner to cover himself and his business from bankruptcy. Here, we’ll be discussing all the insurance categories your business might need, so you can find the best one.
Small businesses are organizations or corporations, as well as freelancing businesses, that have a certain number of employees and income below the certain level that the government set.
Depending on the industry, there are different explanations for a small business. Sometimes, the size will be based on the number of employees, while in other cases, it will depend on the profit.
For example, in the manufacturing and mining industry, you need to have up to 500 employees to be considered a small business. If you are involved in general and heavy construction, your revenue share should not go over $28.5 million.
In the narrow definition, according to SBA, a small business is any business that does not exceed $7.5 million in revenue or the number of 500 employees.
Small business insurance is any insurance that protects your small business for monetary losses that are a result of your work. Regardless of your industry, there are risks related to running a business.
Risks of bodily injury, property damage, negligence, errors, omissions, etc. Based on the business you are conducting, you will select suitable insurance for your business. Do you want to learn more? Please read the guide for small businesses in Rhode Island.
Let’s talk about different types of insurances.
Let’s explain what types of small business insurance exist in RI and what they are covering, so you could find which suits your business the best.
Depending on the business, you might have customers in your office, or perform repairs on some property. Therefore, you have to protect your business from money claims that could come out of your performance.
Not related to the nature of your business, whether you are dealing with products or services, someone can be hurt. And they may ask you to cover medical bills, which is another good reason to have general liability insurance.
According to state law, this insurance is often not mandatory, except in certain industries, like construction. In any case, it can be required by the landlord or the client. That is why it’s always better to have it.
Professional liability insurance covers your business from money claims that come out from negligence, errors, and omissions. In some industries, we hear of this insurance as Errors&Omissions insurance or malpractice insurance. This kind of insurance is suitable for any businesses that are giving services to clients.
This kind of coverage is the opposite of general liability insurance. It insures your small business from abstract risk – financial damage. Usually, professional liability insurance policies for small businesses in RI include:
1. Work mistakes and oversights
2. Undelivered services
3. Missed deadlines
4. Claims of negligence
5. Breach of contract.
As mentioned, being a pet sitter is one of the most popular small businesses at the moment. It is strongly recommended to have this type of insurance as a pet sitter in Rhode Island since you take care of someone’s pet.
When you are applying for a license, the government can require this type of coverage. Also, your clients can ask you to have an insurance certificate. In any case, required or not, it is good to have this type of coverage and protect your small business in time.
This type of insurance covers medical expenses, property damage costs, and legal defense if a vehicle owned by your company is involved in an incident. Depending on the type of your small business, you could need this sort of coverage.
Depending on the insurer, the policy might also include coverage for theft, vandalism, and other sorts of losses.
The big thing to mention is that the insurance is related to the car itself, and the vehicle has to be listed under the company name. If the worker is driving a private car even for business needs, this insurance does not cover any incidents.
In case your company has a minimum of 2 employees, including the boss, you qualify for small business medical insurance.
Small employers with up to 50 employees qualify for SHOP, Small Business Health Options Program. The business can enroll in a SHOP insurance plan through an insurance provider or a verified SHOP agent or broker.
In the SHOP plan, you can incorporate health coverage, dental coverage, or both. Also, you can select the most affordable plan for you. You can decide how much of the employees’ policy you wish to cover yourself and if to also insure part-time employees.
If you have more than 50 workers, you are qualifying for large group coverage. Mainly, the price of the policy per person is lower when you are falling into this insurance group. As a user of a large group program, you also have access to a digital health program.
This type of insurance is meant for people that are running their own business as both boss and employee. Depending on the kind of freelancing business, each freelancer will choose the most suitable insurance policy for themselves.
A handyman is a person who specialized in repairs, usually inside your home.
As you can conclude, a handyman is dealing with various tools each day. This is why he needs to be safe. During the work, someone can be injured, property damaged, or the handyman himself can be hurt. Therefore, this category of employees must have insurance.
If you want to be covered while working, and protect yourself from expensive lawsuits, read this article about all the different types of handyman insurance in Rhode Island.
When it comes to roof workers, they are in greater danger than most. They are every day on heights, using dangerous tools. During their operating accident can happen. A passenger can be hurt, the worker on the roof can be injured, or the property they work on can be damaged.
In order to cover themselves, and cover their business from expensive lawsuits in relation to property damage, roof workers need to have RI roofing insurance.
The costs of small business insurance vary for various insurance sorts. Also, the fee depends on the industry, proportions of the business, the coverage you opt for, and the insurance provider that you choose.
The middle price for general liability insurance for small businesses $516 per year.
For professional liability insurance, the average cost for small businesses is $492 yearly.
The health insurance plan, as previously explained, depends on how much of the policy you wish to cover yourself, and how much you want your workers to pay.
When picking out an insurance plan for your company, weigh up all the offers and select the best coverage for the lowest cost.
When it comes to monthly costs, all of these insurance categories have different prices. As explained above, the cost varies based on several factors, including the insurance brokerage you choose. We will go over the average monthly costs of these insurance categories to get a better look.
The general liability insurance policy in Rhode Island costs on average $43. Be aware of all the factors that can affect your costs.
When we speak about professional liability insurance, the average monthly fee in Rhode Island is $41.
Commercial auto insurance can cost $142 on average. Here, the price depends on the vehicle category and the driving history of the driver.
When we talk about medical insurance, the cost depends on whether you qualify for the SHOP program or large group coverage and how much of the policy costs you want to cover yourself. The average price of a group health insurance plan in a month is $313.
When you decide to purchase small business insurance, you must take care of several factors. You need to find an insurance broker that will give you the best offer. As well, you need to check government requirements because some insurance categories are obligatory by the state’s law.
You should get quotes from several different companies and choose the policy that protects you the best for the lowest price!
Any small business operating in Rhode Island can benefit from having insurance coverage to protect their business from financial losses due to unexpected events or accidents. Some industries, such as construction and healthcare, are required by law to have specific types of insurance coverage.
There are several types of insurance coverage available for small businesses in Rhode Island, including general liability insurance, workers’ compensation insurance, professional liability insurance, property insurance, and cyber liability insurance.
The cost of Rhode Island small business insurance depends on several factors, including the size and type of business, the location, the industry, and the level of coverage needed. It is best to obtain quotes from multiple insurance providers to compare prices and coverage options.
Art Consultants, Animation, Alternative Medicine, Aerobics Instructor, Atmospheric, Earth, Marine, and Space Sciences Teachers, Actors, Animal Trainers, Area, Ethnic, and Cultural Studies Teachers, Acting Lessons, Audio Production Lessons, Audio Recording, Anthropology and Archeology Teachers, Atmospheric and Space Scientists, App Based Delivery Services, Allergists, Architect, Auto Loan Providers, Acupressurist, Amateur Sports Teams Coach, Administrative Support, Adult Education, Accountant, Archivists, Animal Shelters, Apartment Agents, Adoption Services, Architecture Teachers, AV Equipment Rental for Events, Appraisal Services, Agents and Business Managers of Artists, Performers, and Athletes, Auction House, Anthropologists and Archeologists, Audio and Video Equipment Technicians, Acai Bowls, Astrologers, Alterations, Tailoring, and Clothing Design, Anesthesiologists, Antiques Store, Aerial Photography, Administrative Services Managers, Art Directors, Assisted Living Facilities, Addiction Medicine, Arts and Crafts Store, Art, Drama, and Music Teachers, Appliance Installation, Service and Repair, Audiologists, Advertising and Promotions Managers, Alternative Healing, Art Tours, Athletic Trainer, Astronomers, Acne Treatment, Art Classes, Art Space Rentals, Audio Visual and Multimedia Collections Specialists, Actuarial Service, Art Restoration, Ayurveda, Audio Services, Acupuncturist, Aestheticians, Archery Coach, Arabic Lessons
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Employment Service, Education Consulting, Ear Nose and Throat, Economists, Eatertainment, Entertainment Law, Engraving, ESL, English as a Second Language Lessons, Expert Witness, Exercise Equipment Repair, E-Commerce, Etchers and Engravers, Embalmers, Epidemiologists, Event Planner, Engineering Teachers, Estate Liquidation, Electrical Engineer, Empanadas, Executive Secretaries and Executive Administrative Assistants, Engineering and Technical Design, Environmental Scientists and Specialists, Including Health, Educational, Guidance, School, and Vocational Counselors, Electronics Store, Engineer, Editorial Services, Electronics Engineers, Except Computer, Endocrinologists, Endodontists, Environmental Science Teachers, English Language and Literature Teachers, Embroidery, Environmental Science and Protection Technicians, Including Health, Event Help and Wait Staff, Eyewear and Optician Store, Elder Law, Elementary School Teachers, Environmental Engineer, Economics Teachers, Employment Agencies, Elder Care Planning, Embroidery and Crochet Store, Employment Law, Excavation and Grading, Estate Attorney, Emergency Management Directors, Education Teachers, Editors, Electrical Work, Esthetician Services
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Gold Buyers, Gerontologists, Graduate Teaching Assistants, Games and Concession Rental, Glass Dealers and Glaziers, Genetic Counselors, Grocery Store, Gift Shop, Genealogy, Golf Equipment Retailer, Graphic Designers, Geoscientists, Except Hydrologists and Geographers, Gemstones and Minerals Shop, Golf Instructor, Garbage Collection, Geneticists, Guitar Stores, German Lessons, General and Operations Managers, General Contractor, General Litigation, Glass Blowing, Guitar Lessons, Geographers, Gelato, Geography Teachers, Graphic Design Instruction, Grill Services, Gastroenterologist, Grilling Equipment Store
Holistic Animal Care, Home Health Care, Hockey Equipment Retailer, Herbal Shops, Hospice, Home Window Tinting, Home Energy Auditors, Holiday Decorating Services, Hearing Aid Specialists, Hunting and Fishing Supplies Retailer, Hair Stylist, Halfway Houses, Health Retreats, Habilitative Services, Henna Artists, High School Teachers, Hair Loss Centers, Hypnotherapy, Historians, Hearing Aid Providers, HVAC Work, Halotherapy, Heavy and Tractor Trailer Truck Drivers, Health Specialties Teachers, Healthcare Social Workers, Health and Wellness Coaching, Human Resources Specialists, Health Educators, Henna Tattooing, History Teachers, Hot Springs, House Cleaning and Maid Service, Human Resources Assistants, Except Payroll and Timekeeping, Home and Garden Retailer, Home Economics Teachers, Homeless Shelters, Home Health Aides, Home Staging, Horse Equipment Shop, Hardware Store, Health Insurance Offices, Hobby Shop, Health and Safety Engineers, Except Mining Safety Engineers and Inspectors, Hydrologists, Home Inspectors, Holiday Decorations Store, Home Decor Shop, Historical Tours, High Fidelity Audio Equipment, Human Resources Managers, Hair Removal, Hepatologists, Handyperson, Hydroponics Store
In Person Auctioneer, Industrial Organizational Psychologists, Immigration Attorney, International Law Attorney, IP and Internet Law, Information Security Analysts, Illustrating, Indoor Cycling Instructor, Insurance Underwriters, Infectious Disease Specialists, Ice Cream and Frozen Yogurt, Insurance Inspector, Insurance Appraisers, Internists, General, Instrument Instructor, Insurance Agent, Internal Medicine, Impersonating, Installment Loans, Internet Cafes, Italian Lessons, Industrial Engineer, Interviewers, Except Eligibility and Loan, IT Consulting or Programming, Insulation Work, Inspectors, Testers, Sorters, Samplers, and Weighers, Imported Food, Intellectual Property Attorney, Investing, Immunodermatologists, Interior Designer, Instructional Coordinators, Interlock Systems
Juice Bars and Smoothies, Janitorial Services, Jewelry Repair, Japanese Lessons, Jazz and Blues, Jewelers and Precious Stone and Metal Workers, Jewelry Store
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Medical and Clinical Laboratory Technicians, Music and DVDs Store, Musical Instruments and Teachers, Manufacturer Sales Representative, Makerspaces, Models, Mystics, Mailbox Centers, Meditation Instruction, Mortuary Services, Mobile Phone Retailer, Martial Arts Instructor, Mathematical Science Teachers, Midwives, Mechanical Engineers, Mathematical Technicians, Medical Assistants, Mobile Design, Marketing, Mobile Phone Repair, Mathematicians, Medical Secretaries, Meat Shops, Makeup Artists, Mass Media, Medical Records and Health Information Technicians, Makeup Artistry Lessons, Microbiologists, Mediators, Medical Law, Music Venues, Military Surplus, Music Entertainment, Multimedia Artists and Animators, Mental Health Counselors, Mattress Store, Muralist, Mortgage Lenders, Music Production Services, Macarons, Marriage and Family Therapists, Musicians and Singers, Memory Care, Mortgage Broker, Medical Supplies Store, Medical Billing Agency, Medical Appliance Technicians, Magnetic Resonance Imaging Technologists, Medical and Health Services Managers, Musical Instrument Services, Music Directors and Composers, Merchandise Displayers and Window Trimmers, Middle School Teachers, Materials Engineers, Masonry Work, Makeup Artists, Theatrical and Performance, Medical Transcriptionists, Morticians, Undertakers, and Funeral Directors, Manicurists and Pedicurists, Materials Scientists, Motion Picture Projectionists, Magician, Massage Therapist, Music Theory Lessons, Management Analysts, Mobile Phone Accessories Retailer, Motivational Speaking, Medical Scientists, Except Epidemiologists, Museum Technicians and Conservators, Mandarin Lessons, MC and Host Services
Nail Technician, Newspaper and Magazine Store, Nurseries and Gardening Shop, Nightlife, Nanny Services, Natural Sciences Managers, Nursing Assistants, Nurse Midwives, Network and Computer Systems Administrators, Nephrologists, Neuropathologists, Nursing Instructors and Teachers, Notary, Nurse Anesthetists, Network Support Services, Naturopathic/Holistic, Nutritionists, Nurse Practitioners, Neurologist
Oncologist, Olive Oil, Other Consulting, Obstetricians and Gynecologists, Officiants, Occupational Health and Safety Specialists, Organic Stores, Osteopathic Physicians, Orderlies, Office Clerks, General, Opera and Ballet, Outdoor Gear Store, Online Auctioneer, Occupational Therapists, Oxygen Bars, Ophthalmologists, Operations Research Analysts, Office Equipment Retailer, Order Clerks, Orthopedists, Otologists, Optometrists, Orthodontists, Outlet Store, Office Machine Operators, Except Computer
Pilates Instructor, Procurement Clerks, Public Relations Specialists, Pediatric Dentists, Pool Halls, Pet Services, Political Science Teachers, Parenting Classes, Public Speaking Lessons, Pet Groomers, Prenatal/Perinatal Care, Piano Lessons, Public Adjusters, Pet Insurance Agent, Pet Training, Psychics, Piano Services, Psychiatric Aides, Photography Lessons, Private Investigation, Paint Stores, Party Favors, Property Manager, Project Management, Pawn Shop, Process Servers, Political Scientists, Popcorn Shops, Plumbing, Phone or Tablet Repair, Prepress Technicians and Workers, Pet Cremation Services, Physician Assistants, Print Binding and Finishing Workers, Pasta Shops, Private Detectives and Investigators, Packing Services, Pet Stores, Personal Chefs, Preschool and Kindergarten Teachers, Public Markets, Passport and Visa Services, Psychology Teachers, Props Store, Personal Bankruptcy Attorney, Preschools, Psychiatrists, Pet Boarding, Pressure Washing, Package Delivery, Paperhangers, Product Designer, Pediatricians, Purchasing Managers, Patent Law, Periodontists, Personal Care Aides, Prosthodontists, Pet Sitting, Payroll Services, Palm Reading, Pool and Billiards Store, Production, Planning, and Expediting Clerks, Piadina, Party Supplies, Print Media, Personal Injury Attorney, Producers and Directors, Performing Arts, Plastering or Stucco Work, Photography Store, Party Characters, Painting, Poke, Postal Service Mail Carriers, Painting Lessons, Photo Booth Rentals, Psychologists, Pathologists, Philosophy and Religion Teachers, Printing Press Operators, Proctologists, Photographic Process Workers and Processing Machine Operators, Packing Supplies Store, Personal Assistant, Party Equipment Rentals, Personal Care Services, Printing Services, Portrait Artistry, Physics Teachers, Photo Editing, Scanning and Restoration, Photographer, Piano Tuning, Personal Trainer, Pulmonologist, Play Equipment Construction and Assembly, Pickleball Coach, Pop up Shop, Paving and Asphalt Installation, Service and Repair, Pool Table Repair Services, Psychic Mediums, Proofreaders and Copy Markers, Pretzels, Podiatrists, Perfume, Process Engineer, Pedicabs, Presentation Design, Portuguese Lessons, Pain Management, Preventive Medicine, Piano Stores
Qi Gong, Quilting and Crochet
Reiki Lessons, Roofing, Reproductive Health Services, Registered Nurses, Rehabilitation Counselors, Recycling Center, Radio Stations, Real Estate Investor, Retail Salespersons, Radiation Therapists, Residential Advisors, Recreation Workers, Restaurant, Radio and Television Announcers, Reptile Shops, Recording and Rehearsal Studios, Rheumatologists, Reporters and Correspondents, Radiologists, Retirement Homes, Recruiting, Restaurant Supplies, Respiratory Therapists, Retail Stores, Religious Items Retailer, Real Estate Agent, Real Estate Attorney, Rug Store, Recreational Therapists, Reflexology, Real Estate Brokers, Real Estate Appraisal, Reiki, Receptionists and Information Clerks, Retina Specialists, Rehabilitation Center
Squash Coach, Substitute Teachers, Self-defense Instructor, Sports Coach, Speech Therapists, Silent Disco, Sewing Lessons, Safety Consultant, Scooter Tours, Signmaking, Scrapbooking, Snow and Ice Removal, Speech Training, Songwriting, Software Developers, Shipping Centers, Specialty Food, Sociologists, Singing Telegram, Sleep Specialists, Safety Equipment Retailer, Security Services, Sociology Teachers, Social Work Teachers, Siding Installation, Service and Repair, Skilled Nursing, Statisticians, Survey Researchers, Singing Lessons, Skate Shop, Souvenir Shop, Substance Abuse Counselor, Spiritual Shop, Statistical Assistants, Shipping, Receiving, and Traffic Clerks, Secretaries and Administrative Assistants, Except Legal, Medical, and Executive, Social Science Research Assistants, Software Sales Engineer, Stock Clerks and Order Fillers, Shopping Center, Salesperson, Social Security Law, Self Enrichment Education Teachers, Sugaring, Septic Tank System Cleaning, Salon Owner, Shoe Shine, Sound Engineering Technicians, Spanish Lessons, Securities, Commodities, and Financial Services Sales Agents, Safe Store, Switchboard Operators, Including Answering Service, Shampooers, Scavenger Hunts, Street Vendors, Social Media Marketing, Sex Therapists, Social Services, Saxophone Lessons, Shaved Snow, Supernatural Readings, Shoe Repair, Sign Language Lessons, Sports Psychologists, Soccer Coach, Shaved Ice, Self Storage, Ski and Snowboard Shop, Septic Tank System Installation, Service and Repair, Skin Care, Set and Exhibit Designers, Sewing Machine Operators, Sunglasses Shop, Smokehouse, Solar Contractor, Softball Coach, Senior Centers, Speech Language Pathologists, Surveying and Mapping Technicians, Swim Lessons, Seafood Markets, Stock Broker, Statistical Data Analysis, Sporting Goods Retailer, Sewing and Alterations, Shared Office Spaces, Skincare Specialists, Semiconductor Processors, Screen Printing and T Shirt Printing
Trivia Hosts, Travel Guides, Tutor, Tui Na, Tasting Classes, Tour Guides and Escorts, Talent Agencies, Technical Support, Travel Agency, Transportation Security Screeners, Taxidermy, Tea Rooms, Tabletop Games Store, Taekwondo Instructor, Tax Preparers, Translator, Teeth Whitening, Television Stations, Tai Chi Instructor, Transportation Engineer, Tax Attorney, Tennis Coach, Title Loans, Tree Services, Training and Development Specialists, Tarot and Psychic Reader Entertainment, Tailors, Dressmakers, and Custom Sewers, Traditional Chinese Medicine, Teacher Supplies Store, Toxicologists, Trophy Shop, Traffic Law Attorney, Test Prep Services, Tableware Store, Temporary Tattoo Artistry, Telephone Operators, Transportation, Storage, and Distribution Managers, Therapy or Mental Health Services, Toy Store, Tenant and Eviction Law, Tobacco Shop, Thrift Store, Tile, Stone, and Flooring, Teacher Assistants, Tax Services, Threading Services, Tellers, Telemarketing and Telesales Services
Ushers, Lobby Attendants, and Ticket Takers, Umpires, Referees, and Other Sports Officials, Used Bookstore, Urologists, Uniform Store, Urban and Regional Planners, Ultrasound Imaging Centers, Undersea/Hyperbaric Medicine
Virus Removal Services, Venues and Event Spaces, Voice Over Lessons, Ventriloquist and Puppet Entertainment, Video Transfer Services, Visitor Centers, Vending Machine Operator, Vocal Coach, Video Booth Rental, Video Streaming and Webcasting Services, Video Production, Video Editing, Veterinarians, Vascular Medicine, Vitamins and Supplements Store, Vinyl Record Store, Violin Lessons, Video Game Store, Volleyball Coach, Videos and Video Game Rental Store, Veterinary Technologists and Technicians, Veterinary Assistants and Laboratory Animal Caretakers, Videographers, Video and Film Production, Vacation Rental Agents
Wedding Chapels, Wedding Planning, Watch Repairers, Workers Compensation Law, Waterproofing, Wardrobe Consulting, Wedding Officiant, Wedding Coordination, Wind Turbine Service Technicians, Wills, Trusts, and Probates, Welding, Cutting and Metal Frame Erection, Writer, Wedding and Event Venue Rental, Wedding Cakes, Web Developers, Wedding and Event Makeup, Walk-in Clinics, Wholesalers, Wedding and Event Invitations, Web Hosting, Watches Retailer, Waxing, Walking Tours, Window Cleaning, Waiters and Waitresses, Wig Store, Weighers, Measurers, Checkers, and Samplers, Recordkeeping, Wills and Estate Planning, Weight Loss Centers, Word Processors and Typists, Web Site Designer