Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Rhode Island before hiring.
Showing 5 business insurance agents in North 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.
Cara Benjamin: Allstate Insurance
125 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 765-5000
agents.allstate.com
Kaplansky Insurance- N. Smithfield Branch
636 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 765-1400
kaplansky.com
Bouley Insurance
117 Eddie Dowling Hwy # 3, North Smithfield, RI 02896
(401) 765-6311
Charles L Kirby Agency Inc
75 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 762-4500
clkirby.com
Hamel & Newton Adjusters LLC
250 Eddie Dowling Hwy Unit 2, North Smithfield, RI 02896
(401) 597-5830
What Does a Business Insurance Agent in North Smithfield Cost?
Business insurance costs in Rhode Island vary by industry, payroll, and coverage limits. A small retail shop in North Smithfield might pay between $500 and $1,500 per year for general liability. Workers compensation premiums are based on payroll and classification codes, often ranging from $0.50 to $3.00 per $100 of payroll. Commercial auto policies for a single vehicle can cost $1,200 to $2,500 annually. This is general information, not insurance advice.
* 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 types of business insurance are required in Rhode Island?
Rhode Island law requires workers compensation insurance for most employers with one or more employees. Businesses with vehicles must carry commercial auto insurance meeting state minimum liability limits. Other coverages like general liability are not legally required but are often demanded by landlords or clients.
How do I choose a business insurance agent in North Smithfield?
Look for an agent who is licensed in Rhode Island and has experience with your industry. Ask if they work with multiple insurance carriers to compare quotes. A local agent can also help you understand town-specific risks like flood zones or seasonal business patterns.
Can a business insurance agent help with Rhode Island workers compensation rules?
Yes. A qualified agent can explain Rhode Island workers compensation classification codes and premium calculation methods. They can also advise on how to reduce your experience modification factor through safety programs. The Rhode Island Department of Labor and Training oversees compliance, and an agent can help you stay compliant.