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Showing 2 workers' compensation insurance agents in Smithfield, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Neighborhood Health Plan of Rhode Island
910 Douglas Pike, Smithfield, RI 02917
(401) 459-6000
nhpri.org
Kerri A. Lawton: Allstate Insurance
151 Douglas Pike Ste 3, Smithfield, RI 02917
(401) 233-0800
agents.allstate.com
What Does a Workers' Compensation Insurance Agent in Smithfield Cost?
Workers compensation insurance costs in Rhode Island vary by industry classification and payroll. For example, office workers may pay around 50 cents to 1 dollar per 100 dollars of payroll, while construction workers can pay 5 to 15 dollars per 100 dollars of payroll. The average premium for a small Smithfield business might range from 500 to 3000 dollars per year. This is general information and not insurance advice. Always consult a licensed agent for a quote specific to your business.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the workers compensation insurance requirements for Smithfield businesses?
Rhode Island law requires every employer with one or more employees to carry workers compensation insurance. This includes part time and seasonal workers. Failure to have coverage can result in fines and stop work orders from the Rhode Island Department of Labor and Training.
How does a workers compensation insurance agent help a Smithfield business?
An agent reviews your business operations and payroll to find appropriate coverage from multiple carriers. They can explain how experience modification factors affect your premium and help you file required forms with the state. They also assist with policy renewals and coverage changes as your business grows.
Can I get workers compensation insurance if I am a sole proprietor in Smithfield?
Yes, sole proprietors in Rhode Island can choose to include themselves in a workers compensation policy. While the law does not require coverage for yourself if you have no employees, many sole proprietors opt for coverage to protect against medical costs and lost income from a work injury.