Rhode Island Workers' Compensation Insurance

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

You are required to carry workers' compensation insurance in Rhode Island if:

• You have any employees working in Rhode Island. 
• You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Other regulations that may affect you:

• Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>
• You are a sole proprietor or partner: In Rhode Island, you are excluded from coverage.
• You are a corporate officer or member of an LLC: Rhode Island includes you in coverage, but you have the option to exclude yourself.
• You are a licensed real estate brokers, salespersons or real estate appraisers: If you are paid on a commission-only basis, you are exempt from workers’ compensation coverage.