Rhode Island Workers' Compensation Programs

Find More Savings With One of Our Select Workers' Comp Packages.

Save more money with special workers comp programs for Rhode Island employers.

Rates on Workers' Compensation Insurance in Rhode Island are seven percent higher than the national average. Currently Rhode Island is the 20th most expensive state in the country to find coverage. This makes it very important to ensure your business is taking advantage of all the discounts, credits and programs you qualify for.

At Workers Compensation Shop.com, we specialize in workers comp coverage. Our agents are experts at getting your business the absolute best coverage at the lowest rates in the industry. One very popular program we specialize in is Pay as You Go Workers Comp Coverage.

This option allows your business to pay the premiums monthly based on your payroll each month. Your business can do this instead of paying one lump sum at the beginning of the term and based on assumed payroll for the entire year. This is especially beneficial for companies who have a hard time forecasting man hours. With Pay as You Go, instead of guessing your payroll throughout the year, you can pay the insurance premiums monthly and use the freed up cash flow on other more immediate business needs.

If you are ready for a quote you can start one online. It only takes a few minutes.

Our programs target businesses where we have the best opportunity to provide maximum savings. Often times, we've worked out special considerations for underwriting and pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for RI Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

Rhode Island Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.


We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers' Compensation Insurance in Rhode Island

Who Needs Coverage in Rhode Island?

Companies with more than four full or part-time employees are required to purchase workers compensation insurance.

Rates on Workers' Compensation Insurance in the Rhode Island are 7 percent higher than the national average. Rhode Island has a partnership with Beacon Mutual Insurance Company to be the assigned risk provider. Typically states who have a partnership like this enjoy much lower rates. Because of the small size of the state of Rhode Island there just are not enough carriers in the marketplace to drive the price of coverage down.

Affordable workmans comp for business owners.

WHAT IF MY INDUSTRY IS NOT LISTED AS A TARGET?

We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance quote online or call us at 888-611-7467.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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