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Technology Business Insurance in Rhode Island

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Recommended insurance policies for technology businesses in Rhode Island

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What are the insurance requirements for technology businesses in Rhode Island?

State laws can affect which policies you need for your technology business. These policies are required for Rhode Island businesses.
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Workers' compensation insurance

Rhode Island state law requires technology businesses with four or more employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Rhode Island must be covered by commercial auto insurance. Rhode Island requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Rhode Island tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Rhode Island technology professionals

Our agents are experts in insurance for Rhode Island technology businesses. They can help you find policies that fit your company and fulfill state requirements.

The state of Rhode Island issues licenses to individuals, not business entities. TechInsurance has agents licensed by the state for property and casualty insurance. Please feel free to contact us for licensure details.

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