Rhode Island IT Business Insurance

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Cost-Saving Tips

  • If your IT business is like many based in Rhode Island, you have employees that travel to adjacent states on business. If that's the case, be sure to report payroll in every one of those states to your workers' comp insurance carrier. If you don't, your employees working outside of Rhode Island might not be covered.
  • Rhode Island's workers' compensation laws allow for exemptions of some corporate officers. To find out if you're eligible for this cost-saving option, contact the Rhode Island workers' compensation insurance experts at TechInsurance.
  • Thanks to its coastal location, Rhode Island is not immune to hurricanes and storms, both of which can cause flooding and wind damage. If your property insurance policy doesn't cover these – and many don't – you may need to purchase these provisions separately. Contact TechInsurance for a free policy review to ensure you have the coverage your IT business needs.

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A new state income tax structure, passed in Rhode Island in 2010, is a boon to businesses in this state1. Set your Rhode Island-based IT business up for growth with the right insurance from TechInsurance, the technology insurance specialists. Whether you need general liability, professional liability, property, workers' comp or another type of commercial insurance, we can get you covered – fast and at a great rate.

Grow Your Business in Rhode Island

As your IT business grows, you need to be sure that your insurance protection grows along with you. TechInsurance's Rhode Island insurance experts are happy to provide free, periodic coverage assessments for your business, ensuring that your insurance provisions keep pace with your company as you add customers and employees. Contact your TechInsurance agent for details.

Get fast, affordable coverage that's just the right fit for your IT business. Complete one online application and get your free, no-obligation quote fast. Choose the coverage you need, and we'll start your policy immediately.

If you're looking for any of the following types of insurance, we've got you covered:

Business Liability Insurance Package Policy. You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.

Professional Liability Insurance. Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.

Workers' Compensation Insurance. Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.

Employment Practices Liability Insurance. If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.