The top-rated commercial insurance agent in Johnston, Rhode Island is Jose Espejo: Allstate Insurance, rated 5.0 stars across 261 reviews. Other highly rated options include Expert Insurance, Narragansett Bay Insurance Company, Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance. This directory lists 11 commercial insurance agents serving Johnston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jose Espejo: Allstate Insurance | 1318 Plainfield St | (401) 831-2099 |
| 2 | Expert Insurance | 1705 Hartford Ave | (401) 709-7720 |
| 3 | Narragansett Bay Insurance Company | 1301 Atwood Ave #102W | (401) 725-5600 |
| 4 | Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance | 1465 Atwood Ave | (401) 273-8700 |
| 5 | Tax Insurance Solutions | 1215 Plainfield St | (401) 944-1512 |
| 6 | Smyth Business Solutions | 1665 Hartford Ave | (401) 227-9256 |
| 7 | Kelvin Taveras: Allstate Insurance | 1318 Plainfield St | (401) 824-7813 |
| 8 | Cesar Loaiza: Allstate Insurance | 653 Killingly St | (401) 942-0500 |
| 9 | Capital Insurance Group | 454 George Waterman Rd | (401) 349-5757 |
| 10 | AIPSO | 302 Central Ave | (401) 946-2310 |
Jose Espejo: Allstate Insurance serves the Johnston, Rhode Island area as a commercial insurance agent. The agency helps local business owners secure essential coverage to protect their operations and assets. Services are tailored to the specific needs of small and mid-sized enterprises in the region. Typical policies address property damage, general liability, and loss of income risks. The agency handles workers’ compensation policies for local firms and commercial auto insurance for company-owned vehicles.
Expert Insurance serves businesses and property managers throughout Johnston, Rhode Island, offering commercial insurance policies tailored to protect local companies from operational risks. These services include general liability, property coverage, and workers’ compensation for various small to mid-sized enterprises in the area. By working with regional underwriters, the agency helps clients secure appropriate business protection. Expert Insurance also extends its commercial insurance services to clients in nearby Cranston and the greater Providence metropolitan region.
Narragansett Bay Insurance Company provides a full range of commercial coverage solutions, including general liability, property, and workers' compensation policies. It offers tailored service and maintenance plans designed to regularly review client policies, update coverage in response to business changes, and assist with claims management. Based in Johnston, Rhode Island, the agency supports local businesses by addressing regional risk exposures. Its clients include single-family homes, apartment buildings, retail operations, and restaurants.
Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance serves Johnston, Rhode Island, and nearby communities, handling commercial insurance needs for local businesses. The agency works closely with clients to assess their unique risks and exposures across various industries. It provides tailored coverage options such as liability, property, and workers’ compensation policies. For a typical job, it begins with a thorough consultation to understand specific operational requirements before presenting suitable plans from its carrier portfolio. It then coordinates policy details and documentation to align with the client’s operational workflow and compliance needs.
Tax Insurance Solutions provides commercial insurance agents in Johnston, RI, who differentiate between one-time policies for specific projects and recurring coverage for ongoing business operations. Their offerings include general liability, property, and workers’ compensation insurance tailored to local commercial needs. All policies are designed to meet regulatory requirements while protecting assets against common regional risks. Service runs strictly on an as-needed basis, with each engagement beginning only upon a client’s direct request for a quote or policy review.
Smyth Business Solutions offers focused commercial insurance agent services, specializing in property, liability, and workers’ compensation coverage for small to mid-sized businesses in Johnston, RI. Its professionals work closely with each client to review unique operational risks and match them with appropriate local carriers. They regularly handle policy renewals, claims assistance, and coverage adjustments as businesses grow or change. As harsh New England winters approach, the agency helps clients assess snow removal liability and building damage exposures to ensure proper protection against seasonal loss.
Kelvin Taveras: Allstate Insurance in Johnston, Rhode Island, provides commercial insurance agency services for local businesses operating in the area. As an Allstate agent, the company offers standard property and liability coverage with additional specialty add-ons tailored to different operational needs. The agency can serve a range of commercial sectors, including offices requiring general liability protection, warehouses needing inventory and equipment coverage, and food service establishments seeking kitchen and premises liability insurance.
As Johnston businesses prepare for seasonal inventory shifts or equipment upgrades, Cesar Loaiza: Allstate Insurance provides commercial insurance coverage tailored to local needs. The agency works with small and mid-sized companies in the area to assess property, liability, and workers' compensation exposures. Policies are written to address the specific risks faced by operations in this region, from retail storefronts to light industrial sites. Every new account begins with a walk-through of the business premises to identify potential hazards and confirm coverage requirements.
AIPSO provides residential insurance coverage to homeowners in Johnston and the surrounding areas, addressing common property protection needs. The company also handles commercial insurance agency services for local businesses, helping them manage liability and asset risks as part of their operations. Serving clients throughout Rhode Island, their staff can guide individuals and companies through policy options and claims processes. Following an initial consultation, they offer follow-up support and can accommodate repeat service adjustments between regular visits to maintain appropriate coverage levels.
What Does a a Commercial Insurance Agent in Johnston Cost?
Commercial insurance costs in Rhode Island vary widely by business type, size, and risk profile. A small retail store might pay between $500 and $1,500 per year for general liability, while a construction company could pay $5,000 to $15,000 or more. Workers compensation rates are set by the state and depend on payroll and industry classification. This is general information, not insurance advice.
About commercial insurance agents in Johnston
Commercial insurance agents in Johnston, Rhode Island help local businesses secure coverage for property, liability, and workers compensation. Rhode Island law requires most employers to carry workers compensation insurance under Title 28 of the General Laws. An agent can guide you through these requirements and find policies that fit your specific business operations.
Frequently Asked Questions
What types of commercial insurance do Johnston businesses need?
Common coverages include general liability, property insurance, commercial auto, and workers compensation. Rhode Island mandates workers comp for businesses with one or more employees. An agent can assess your risks and recommend appropriate policies.
How do I choose a commercial insurance agent in Johnston?
Look for an agent licensed in Rhode Island with experience in your industry. Ask about their knowledge of local regulations and claims handling. Check their reputation through the Rhode Island Department of Business Regulation.
Does Rhode Island have specific insurance requirements for contractors?
Yes, contractors in Rhode Island must carry general liability insurance and workers compensation if they have employees. Some municipalities also require proof of insurance for permits. An agent can help you meet these legal obligations.
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