Rhode Island Workers Compensation Insurance

Rhode Island Workers Compensation Insurance Rules

Rhode Island Workers Compensation

1. Does my Rhode Island business need workers compensation insurance?

Yes, every person, both public service or private corporation, including the State, that has regular employees operating in the same business must provide workers compensation insurance.

2. In Rhode Island is there any exemptions from carrying workers compensation insurance?

Yes, sole proprietors, partners, and independent contractors are exempt from carrying workers compensation insurance. Certain real estate, agricultural and domestic service employees may be exempt from coverage as well.

3. Does Rhode Island workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

As of January 1, 2001, anyone operating as an independent contractor must file a form with the Workers Compensation Division. This form is for purposes of workers' compensation insurance ONLY.

Sole Proprietors may exempt themselves from workers compensation insurance coverage.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

Rhode Island Workers Compensation

Rhode Island Workers Compensation Links

News and Legislative Updates
Rhode Island Workers Compensation Act
Archived Statutes Center
Rhode Island Workers Comp. Forms
Rhode Island Workers Comp. Rules & Regulations
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