The top-rated workers' compensation 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, Wilson Insurance Agency, Insurance Leader. This directory lists 12 workers' compensation 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 | Wilson Insurance Agency | 723 Atwells Ave | (401) 453-6659 |
| 4 | Insurance Leader | 1237 Elmwood Ave | (401) 781-1810 |
| 5 | Guzman Insurance Group, LLC: Allstate Insurance | 1214 Broad St Lowr Level | (401) 785-0806 |
| 6 | World Insurance Associates LLC | 477 Elmwood Ave | (401) 572-3303 |
| 7 | Gilbane Insurance Agency Inc. | 515 Elmwood Ave | (401) 781-8680 |
| 8 | Lefebvre Insurance Agency, Inc. | 839 N Main St | (401) 273-0022 |
| 9 | Atwood And Palazzo Insurance Agency | 565 Broadway | (401) 272-4340 |
| 10 | Taveras Insurance Group Inc. | 1165 Elmwood Ave | (401) 781-4481 |
Cross Insurance serves the Providence, Rhode Island area as a workers’ compensation insurance agent. The company assists local businesses in securing coverage that meets state-mandated requirements for workplace injury protection. It works with employers to navigate premium calculations and risk classifications specific to Rhode Island’s regulations. Claims management support is also provided to help policyholders handle injured worker incidents efficiently. Cross Insurance handles policy audits and compliance guidance for Providence businesses managing their workers’ compensation obligations.
Podmaska Insurance Agency Inc in Providence, Rhode Island provides workers' compensation insurance procurement and policy management for local businesses. It offers initial risk consultation and claims-filing assistance, along with ongoing policy reviews to help maintain appropriate coverage levels. Standard maintenance includes periodic payroll audits and coverage adjustments to meet changing operational needs. The agency serves a variety of commercial properties, including single-family homes used for home-based businesses, apartment complexes, retail storefronts, and full-service restaurants.
Businesses in Providence, including retail operations, construction firms, and light manufacturing companies, seek out Wilson Insurance Agency for workers’ compensation coverage. The agency assists with policy procurement to protect employers from workplace injury claims and related costs, ensuring compliance with state-regulated requirements. It also advises on risk management strategies to help reduce on-the-job accidents and premium expenses. Wilson Insurance Agency extends its services to businesses throughout the broader Providence metro area, including nearby communities such as Cranston.
Insurance Leader serves Providence, Rhode Island, and the surrounding communities, handling workers' compensation insurance for local businesses. It focuses on policies that cover medical expenses and lost wages for employees injured on the job. The agency navigates Rhode Island's specific state regulations and class codes to secure appropriate coverage for its clients. It generally assesses each business’s unique risk profile and payroll to tailor a policy. It then presents options from multiple carriers to find a suitable balance of cost and protection.
Serving the Providence area, Guzman Insurance Group, LLC: Allstate Insurance helps employers compare the distinct service approaches available for workers' compensation coverage. Businesses can choose between a one-time policy to cover a single, defined project or a recurring policy that provides continuous protection for ongoing operations. Policies address medical costs and lost wages for employees injured on the job. Service runs on either a one-time or scheduled basis, depending on the client's available choice between these two engagement models.
World Insurance Associates LLC specializes in securing workers’ compensation coverage tailored to the specific industries of its Providence-based clientele. It also assists local businesses with navigating the complexities of policy compliance and claims management to reduce operational disruptions. Beyond initial placement, the agency provides periodic reviews to ensure coverage limits align with changing workforce sizes and risk exposures. During seasonal hiring surges common in the region, it helps employers adjust their policies to avoid coverage gaps and costly penalties.
As winter weather increases slip-and-fall risks for Rhode Island workplaces, Gilbane Insurance Agency Inc. in Providence helps businesses navigate workers' compensation coverage that meets state requirements. The agency assists local employers with filing claims and managing premium costs tied to payroll. A typical engagement begins with an on-site walkthrough of the work environment, identifying hazards and checking safety protocols. This initial-assessment step documents current conditions before any policy adjustments are recommended.
Lefebvre Insurance Agency, Inc., based in Providence, Rhode Island, is known for helping local businesses secure workers' compensation insurance coverage. Its services range from assessing payroll and risk classifications to guiding employers through the policy selection process. The agency works closely with clients to ensure compliance with Rhode Island state regulations while aiming to control premium costs through proper classification and claims management. For employers needing added protection, Lefebvre Insurance Agency can also provide employer's liability insurance as a supplemental endorsement to the standard policy.
Atwood And Palazzo Insurance Agency provides workers’ compensation coverage for residential clients in Providence, Rhode Island. The agency also assists commercial businesses in the area with their insurance needs. Policies are tailored to meet local regulatory requirements, helping employers manage workplace injury claims. Follow-up consultations ensure coverage remains appropriate, and repeat service is available between regular policy renewal visits.
Taveras Insurance Group Inc. in Providence, Rhode Island, provides workers’ compensation coverage for local businesses, protecting employees against job-related injuries and employers from liability. It specializes in structuring policies that align with regional industry regulations and claims management. The agency assists in assessing payroll classifications and experience modifications to control premium costs. It serves diverse commercial sectors, including offices, warehouses, and food service operations.
What Does a a Workers' Compensation Insurance Agent in Providence Cost?
The cost of workers compensation insurance in Rhode Island varies by industry, payroll size, and claims history. For a small business in Providence, annual premiums can range from several hundred to several thousand dollars. Rates are set by the state and approved by the Rhode Island Department of Business Regulation. This is general information and not insurance advice.
About workers' compensation insurance agents in Providence
Workers compensation insurance agents in Providence help Rhode Island businesses meet state law requirements. Under Rhode Island General Law Title 28, most employers with one or more employees must carry workers compensation coverage. An agent can guide you through the process of obtaining a policy that complies with state regulations and protects your workforce.
Frequently Asked Questions
Who needs workers compensation insurance in Providence Rhode Island?
Under Rhode Island law, any employer with one or more employees must have workers compensation coverage. This includes part-time and seasonal workers. Sole proprietors and some independent contractors may be exempt but should verify their status with an agent.
What does a workers compensation insurance agent do in Providence?
A workers compensation insurance agent helps you find a policy that fits your business needs and complies with Rhode Island regulations. They explain coverage options, assist with paperwork, and can help you understand how your premium is calculated based on payroll and industry classification.
How long do I have to report a workplace injury in Rhode Island?
In Rhode Island, an employee must notify their employer of a workplace injury within 30 days. The employer then has 10 days to report the injury to their insurance carrier. An agent can help you understand these deadlines and the claims process.
Workers' Compensation Insurance Agents in Other Rhode Island Cities
Cranston · Middletown · North Providence · Pawtucket · Warwick