The top-rated business insurance agent in Providence, Rhode Island is Cross Insurance, rated 4.9 stars across 898 reviews. Other highly rated options include Podmaska Insurance Agency Inc, Auto Cycle Insurance, Wilson Insurance Agency. This directory lists 14 business insurance agents serving Providence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cross Insurance | 291 Promenade St | (401) 431-9200 |
| 2 | Podmaska Insurance Agency Inc | 1309 Chalkstone Ave | (401) 272-5444 |
| 3 | Auto Cycle Insurance | 400 Broadway | (401) 421-2005 |
| 4 | Wilson Insurance Agency | 723 Atwells Ave | (401) 453-6659 |
| 5 | Insurance Leader | 1237 Elmwood Ave | (401) 781-1810 |
| 6 | ONE STOP INSURANCE AGENCY | 858 Broad St | (401) 785-3339 |
| 7 | World Insurance Associates LLC | 477 Elmwood Ave | (401) 572-3303 |
| 8 | Gilbane Insurance Agency Inc. | 515 Elmwood Ave | (401) 781-8680 |
| 9 | Farmington Insurance Agency | 24 Farmington Ave | (401) 944-2230 |
| 10 | Lefebvre Insurance Agency, Inc. | 839 N Main St | (401) 273-0022 |
Cross Insurance serves the Providence, Rhode Island metro area and surrounding communities as a business insurance agent. The company assists local enterprises in securing general liability policies that cover premises and operational risks. It also helps businesses obtain commercial property insurance to protect buildings, equipment, and inventory from potential damage. Additionally, Cross Insurance guides clients through the process of acquiring workers’ compensation coverage, which is essential for employee protection in this region. The agency handles these common but vital coverage lines for small and mid-sized businesses throughout Providence.
Podmaska Insurance Agency Inc provides business insurance solutions for companies in Providence, RI, including general liability, property coverage, and workers’ compensation. The agency offers ongoing support through policy reviews and tailored updates as businesses grow or change. It focuses on identifying specific risks facing local enterprises and adjusting plans accordingly. Its service approach includes periodic consultations to ensure coverage remains aligned with operational needs and regulatory requirements. The agency services single-family homes, apartments, retail locations, and restaurants throughout the area.
Auto Cycle Insurance serves Providence, Rhode Island, and the surrounding communities. It handles commercial coverage for small and medium-sized businesses, including liability and property protection. Clients typically consult the agency when starting a new venture or updating an existing operation. The agent works by first reviewing each business’s specific operations and identifying the risks in that local market, then tailoring a policy to match those exposures and the client’s budget.
Wilson Insurance Agency serves businesses and property managers in Providence, Rhode Island, helping them secure commercial insurance policies to protect their assets and operations. The agency works with local companies to identify appropriate coverage for liability, property, and other business-related risks. Tailored insurance solutions are developed to meet the specific needs of each commercial client. Wilson Insurance Agency also extends its services to clients throughout the greater Cranston area and other parts of the Providence metro region.
Insurance Leader in Providence, RI helps clients choose between one-time policy setups for immediate project needs or recurring coverage for ongoing operations. Business insurance agents here tailor protection for liabilities, property, and income interruption according to local risks. The firm advises on general liability and worker protection common in Rhode Island commerce. Service runs on an as-needed basis, with clients scheduling reviews ahead of policy renewals or when a new business risk emerges.
This agency specializes in tailoring commercial coverage for local small businesses, including liability and property protection for retail shops and professional offices. As a business insurance agent in Providence, it connects clients with policies from multiple carriers to match unique operational risks. The firm further assists entrepreneurs in navigating required workers’ compensation laws for Rhode Island. When winter storms threaten, it proactively reviews policies to ensure sufficient protection against snow-related property damage and business interruption claims.
As the winter season brings increased risks of slips, property damage, and liability claims across Providence, World Insurance Associates LLC helps local businesses review and adjust their commercial coverage. The agency works with entrepreneurs and established firms to find policies that address general liability, property protection, and workers compensation needs. Understanding the specific regulatory environment in Rhode Island, they guide clients through insurance requirements for various industries. The process typically begins with a free on-site inspection of the business premises to identify exposures and recommend appropriate policy options.
Gilbane Insurance Agency Inc. in Providence, RI works with businesses to analyze their risk exposures and design coverage programs that align with their operational needs. The agency specializes in customizing insurance packages that address general liability, property protection, and workers’ compensation requirements. Its clients include commercial offices seeking professional liability coverage, warehouses needing inventory and equipment protection, and food service establishments requiring product liability insurance.
Farmington Insurance Agency in Providence, Rhode Island, is known for helping local businesses secure commercial coverage tailored to their specific operational risks. The agency offers a range of insurance products, including general liability and commercial property policies. For a fee, it also helps clients assess potential liability exposures in their daily operations. As a specialty service, the agency can add on cyber liability endorsements to protect against data breach costs.
What Does a a Business Insurance Agent in Providence Cost?
Typical costs for a small business insurance policy in Rhode Island range from 500 to 1500 dollars per year for general liability. Workers compensation premiums vary by payroll and industry classification averaging around 1 to 3 dollars per 100 dollars of payroll. Commercial property insurance costs depend on building value and location with Providence rates sometimes higher due to urban risks. This is general information and not insurance advice.
About business insurance agents in Providence
Business insurance agents in Providence Rhode Island help local companies find coverage for general liability property damage and workers compensation. Rhode Island law requires most employers to carry workers compensation insurance even for part time staff. An agent can explain how state specific rules like the Rhode Island Workers Compensation Act affect your policy needs.
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. Commercial auto insurance is required if you use vehicles for business. General liability is not required by state law but is often demanded by landlords and clients.
How do I choose a business insurance agent in Providence?
Look for an agent who has experience with businesses in Rhode Island and understands local regulations. Ask if they work with multiple insurance carriers so they can compare quotes. Check that they are licensed by the Rhode Island Department of Business Regulation.
Can a business insurance agent help with a Rhode Island specific risk like coastal flooding?
Yes. Providence businesses near Narragansett Bay may need flood insurance which is not included in standard policies. An agent can help you evaluate flood risk and recommend separate coverage through the National Flood Insurance Program or private insurers.
Business Insurance Agents in Other Rhode Island Cities
Cranston · East Greenwich · East Providence · Johnston · Middletown · North Kingstown · North Providence · Pawtucket · Warwick · West Warwick · Woonsocket