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Rhode Island Business Insurance for Small Companies

biBERK is trusted by many companies for business insurance in Rhode Island. We offer flexible policies to protect you from the many types of risk Rhode Island businesses face. Business insurance in RI doesn’t have to be complicated. Choose the right kind of coverage to suit your needs and the right company to provide it. Choose biBERK.

Workers’ Comp in Rhode Island

Are you trying to find the best coverage for workers’ comp in Rhode Island? This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. So, if your employee hurts their back while lifting a heavy box, for instance, their injury will likely be covered. We offer tailored workers’ comp in Rhode Island to suit your business.

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Rhode Island Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this Rhode Island insurance policy could protect you from the cost of damages and legal if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). When it comes to business insurance in RI, professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. That way if, for example, you’re an accountant and you calculate something incorrectly for a client and their business is harmed as a result, you may be protected from the financial ramifications of being found liable for that error.

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Rhode Island Cyber Insurance

This type of business insurance in Rhode Island can be purchased as an add-on to certain other policies. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur. If you need the kind of business insurance in RI that protects you from the fallout of digital fraud, this is the policy for you.

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We Cover all Kinds of Professionals and Businesses in Rhode Island, Including:

  • Attorneys and law firms
  • Auditors and bookkeepers
  • Auto repair and service centers
  • Building services companies
  • Business consultants
  • Clerical office employees
  • Clothing, retail, and other stores
  • Computer programmers
  • Concrete construction companies
  • Contractors
  • Electrical contractors
  • Exercise centers
  • Flooring and carpet installation
  • Fruit and vegetable markets
  • Glaziers
  • Health spas
  • Heating and cooling technicians
  • Household appliance repair
  • Insurance companies
  • Iron and steel contractors
  • IT companies
  • Lawn maintenance services
  • Marketing firms
  • Masons
  • Medical offices
  • Messenger services
  • Painting companies
  • Paper goods manufacturers
  • Patrol and detective agencies
  • Personal service providers
  • Photography services
  • Plumbing services
  • PR agencies
  • Real estate agents
  • Recreation companies
  • Residential cleaning services
  • Restaurants
  • Salons
  • Truckers
  • Woodworkers and carpenters

Why Choose biBERK for Your Rhode Island Business Insurance?

We’re the experts when it comes to small business in Rhode Island and beyond.

Save Time

Get a quote entirely online or speak with one of our insurance experts for help with a quote, buying a policy, or getting answer to questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Business Insurance in RI?

Whether it’s workers’ comp in Rhode Island or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Rhode Island Small Business Insurance is Required?

Workers' Compensation

In Rhode Island, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy but don’t have one.

Other Policy Considerations

Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your Rhode Island company is one of the smartest business decisions you can make.

What Does Rhode Island Small Business Insurance Cost?

The cost of commercial and business insurance in Rhode Island depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. We’re happy to provide fast, free online quotes including subcontractor insurance quotes. Learn what you’ll pay for business insurance in Rhode Island by getting instant, online quotes for any policies you need.

Rhode Island Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Rhode Island and save up to 20%.