The top-rated commercial insurance agent in West Warwick, Rhode Island is Dacey Insurance Agency, a World Company, rated 5.0 stars across 39 reviews. Other highly rated options include Graham Insurance Inc, John J Clarke Insurance, Inc, Silver Auto Insurance. This directory lists 10 commercial insurance agents serving West Warwick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dacey Insurance Agency, a World Company | 1350 Division Rd #101 | (401) 398-8020 |
| 2 | Graham Insurance Inc | 328 Cowesett Ave Suite 4 | (401) 828-7946 |
| 3 | John J Clarke Insurance, Inc | 1226 Main St #1 | (401) 821-7330 |
| 4 | Silver Auto Insurance | 1350 Division Rd #101 | (401) 298-9815 |
| 5 | MetLife - Donna Averill | 312 Cowesett Ave | (401) 279-0735 |
| 6 | World Insurance Associates LLC | 1350 Division Rd Suite 101 & 104A | (401) 884-1090 |
| 7 | Blink Insurance Service | 1235 Division Rd | (401) 655-2967 |
| 8 | Insurance | 255 Quaker Ln # 700 | (401) 615-7110 |
| 9 | Smile More Insurance LLC | 312 Cowesett Ave | (401) 655-2911 |
| 10 | MetLife: Vitacca Nick | 312 Cowesett Ave | (401) 223-0399 |
Dacey Insurance Agency, a World Company, serves businesses throughout the West Warwick, Rhode Island, metro area as a commercial insurance agent. It partners with local enterprises to analyze operational risks and secure appropriate coverage for liability and property exposures. The agency also advises clients on policies designed to protect against business interruption and employee-related claims. Its team helps area companies navigate specialized needs such as commercial auto insurance for fleets and general liability protection for retail operations.
Graham Insurance Inc in West Warwick, RI, serves homeowners, businesses, and property managers seeking commercial insurance coverage. The agency works with clients to assess risk and secure appropriate policies to protect their commercial assets and operations. Its services include tailored insurance placements for various local industries and business types. Graham Insurance also extends its coverage solutions to clients throughout the neighboring city of Warwick and the broader Kent County area.
John J Clarke Insurance, Inc in West Warwick, RI provides a full range of commercial insurance services, including general liability, property, and workers' compensation coverage. The agency also offers ongoing service and risk management plans to help local businesses address their specific policy needs and maintain proper coverage. Serving the broader Rhode Island area, the company services a variety of property types, including single-family homes, apartment buildings, retail spaces, and restaurants.
Serving West Warwick and the surrounding communities in Kent County, Silver Auto Insurance operates as a commercial insurance agent. The company handles coverage needs for local businesses, addressing liability, property, and vehicle protection policies. It works with clients to determine the specific risks their operations face and matches them with appropriate policies from its network of carriers. To complete a typical job, the agent gathers details on the business's operations, reviews exposures, and presents several coverage options for the client to choose from.
MetLife - Donna Averill in West Warwick, RI, helps local businesses distinguish between one-time projects, such as securing coverage for a special event, and recurring service options, like renewing annual policies for liability and property protection. As a commercial insurance agent, the firm guides clients through tailored coverage options to address common regional business risks. Service operates on both a scheduled and as-needed basis, allowing clients to book ongoing policy reviews or urgent consultation requests.
World Insurance Associates LLC offers specialized commercial insurance solutions for businesses in West Warwick, Rhode Island. It addresses a wide range of general business insurance needs, including liability, property, and workers’ compensation coverage, helping local enterprises manage risk and protect their assets. The agency is particularly focused on assisting companies with seasonal operational challenges, such as adjusting coverage to accommodate weather-related disruptions common to the New England region.
Blink Insurance Service in West Warwick, RI specializes in assessing and structuring liability and property coverage for small to mid-sized commercial enterprises. It also advises local businesses on general risk management and worker protection policies. During the winter season in southern New England, the agency routinely helps contractors and retail owners review snow removal liabilities and adjust their business interruption plans accordingly.
As local businesses in West Warwick prepare for the seasonal uptick in inventory and foot traffic, a robust commercial insurance policy becomes essential for protecting assets and liability. This agency specializes in evaluating the unique risks faced by small to mid-sized enterprises in the area, from retail shops to service providers. They work with clients to craft coverage that addresses property, liability, and business interruption needs. The process typically begins with an inspection of the commercial property and a detailed assessment of current operations.
Smile More Insurance LLC provides commercial insurance agent services in West Warwick, RI. Its specialty add-ons include customized coverage structures designed to address unique liability and property exposures. The company develops policies that align with each business's distinct operational needs and risk profile. Smile More Insurance LLC can serve such commercial sectors as offices, warehouses, and food service operations.
MetLife: Vitacca Nick serves homeowners and residents in West Warwick and the surrounding region with personal insurance coverage. For local businesses, the agency assesses property, liability, and commercial vehicle exposures to tailor appropriate policies. They draw on established carrier partnerships to address the diverse risk profiles of small and midsize enterprises throughout Rhode Island. Regular policy reviews allow the agent to recommend necessary coverage adjustments. Clients can expect timely customer assistance between scheduled visits, which keeps their insurance protections consistently aligned with evolving personal or commercial needs.
What Does a a Commercial Insurance Agent in West Warwick Cost?
Commercial insurance costs in West Warwick vary by business type, size, and coverage limits. A small retail store might pay 500 to 1,500 dollars per year for general liability, while a construction company could pay 3,000 to 10,000 dollars or more. Workers compensation rates in Rhode Island are set by the state and depend on your industry classification and payroll. This is general information, not insurance advice.
About commercial insurance agents in West Warwick
Commercial insurance agents in West Warwick, 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 state code. Agents in West Warwick can guide you through these requirements and find policies that fit your business needs.
Frequently Asked Questions
What types of commercial insurance do West Warwick businesses need?
Common coverages include general liability, property insurance, workers compensation, and commercial auto. Rhode Island law mandates workers compensation for businesses with one or more employees. An agent can help you assess your specific risks.
How do I choose a commercial insurance agent in West Warwick?
Look for an agent licensed in Rhode Island with experience in your industry. Ask about their familiarity with local risks such as weather or flood zones. Check their reputation with the Rhode Island Department of Business Regulation.
Does Rhode Island require commercial auto insurance for business vehicles?
Yes, Rhode Island law requires liability coverage for any vehicle used for business purposes. Minimum limits are 25,000 dollars per person and 50,000 dollars per accident for bodily injury, plus 25,000 dollars for property damage. An agent can help you meet or exceed these limits.
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