Commercial insurance · Rumford, Rhode Island
Commercial insurance for Rhode Island businesses
Coverage for your business, your employees and your operations. Gilbane writes business owner's policies, commercial auto and workers' compensation for Rhode Island businesses, in English or Spanish.
What it covers
What commercial insurance covers
Commercial coverage is assembled from several policies, depending on the business.
- Business owner's policy (BOP). General liability and business property in one policy.
- Commercial auto. Vehicles your business owns, plus hired and non-owned auto.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
- Specialty coverages. Professional liability, cyber and equipment breakdown.
General information, not a policy. What a policy pays depends on its form, endorsements and limits, and on carrier underwriting.
Common gaps
What it does not cover
The exclusions and gaps that most often catch people out.
- Business use of a personal car. Personal auto policies do not cover business use, a very common claim denial.
- Business property at home. Homeowners policies exclude business property above a small sub-limit.
- Flood. Not covered on standard commercial property forms without separate flood coverage.
Rhode Island
Rhode Island specifics
Rhode Island requires workers' compensation for essentially every employer with employees, with narrow exceptions. If your first hire is coming, call before their first shift.
If you run a business from home, your homeowners policy covers business property only up to a small sub-limit and generally excludes business liability.
Before you call
What to bring to Gilbane
This lets a licensed agent quote like for like instead of guessing.
- A description of the business, its address and how long it has operated.
- Number of employees and annual payroll.
- Vehicles used for the business and who drives them.
- Current policy declarations pages and loss runs (your claims history from the current carrier).
- Any insurance requirements in your lease or client contracts.
Photograph the documents and text them, email them to info@gilbaneinsurance.com, send them on WhatsApp, or bring them to 428 Pawtucket Ave, Monday to Friday, 9:00 to 5:00.
Answers
Questions about commercial insurance
Rhode Island requires workers' compensation for essentially every employer with employees, with narrow exceptions. Arrange it before your first employee starts work.
Generally not. Personal auto policies exclude most business use, and it is a very common reason claims are denied. Commercial auto, or hired and non-owned auto coverage, is written for that.
A BOP packages general liability and business property coverage into one policy for small and mid-sized businesses.
No. You pay the carrier's filed rate either way; the commission is already inside the premium whether an agent placed it or a website did. What changes is whether one company priced your risk or several did, and whether anyone re-shops it at renewal.
There is no fee for a Gilbane quote and no obligation to move.
Next step
Talk to a licensed agent about commercial insurance
Start a quote online, or call the office on Pawtucket Ave, Monday to Friday, 9:00 to 5:00. Se habla español. There is no fee for a quote.
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