Contractor Insurance
in Rhode Island
Reliable, Trade-Specific Coverage for Rhode Island Contractors
Rhode Island may be one of the smallest states, but it has big responsibilities for contractors. From strict general liability requirements to evolving environmental risks near the coast, Rhode Island contractors must carry compliant, affordable coverage to keep projects moving and protect their business.
Whether you’re a general contractor in Providence or an HVAC tech in Newport, Affordable Contractors Insurance (ACI) offers the right protection, fast. We tailor policies to your trade, project scope, and local regulations—without unnecessary extras or inflated costs.
Why Contractors in Rhode Island Choose ACI
Local Expertise
We understand Rhode Island contractor licensing and state-specific insurance mandates
Fast Certificates
Get same-day proof of insurance to secure permits or jobs
Affordable Rates
Pay as little as 20% down with flexible financing
Bundled Savings
Combine policies and save up to 25%
Coverage Built for Trades
Custom policies that match your business and tools
Insurance Coverage We Offer in Rhode Island
We help contractors across Rhode Island get the essential coverage they need to meet requirements, win jobs, and protect their business:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal fees. Required for most licensed contractors in Rhode Island.
- Workers’ Compensation Insurance
Covers medical costs and lost wages if employees are injured on the job. Required for most businesses with employees in the state.
- Commercial Auto Insurance
Insures vehicles used for business—from pickups to full fleets—against collisions, theft, and liability.
- Tools & Equipment Insurance
Covers your gear, hand tools, and machinery from theft, damage, or loss—whether on-site or in transit.
- Builder’s Risk Insurance
Short-term policy that protects buildings under construction, including materials, supplies, and labor.
- Professional Liability Insurance
Covers design errors, missed deadlines, and claims of negligence related to your professional services.
Who We Cover in Rhode Island
ACI proudly serves a wide range of licensed contractors and specialty trades, including:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
Whether you’re a solo contractor or running a growing crew, we’ll match you with coverage built for your trade.
How Much Does Contractor Insurance Cost in Rhode Island?
Your premium depends on multiple factors unique to your business. Here’s what typically affects your monthly rate:
Cost Factors
- Type of Work
High-risk trades like roofing and electrical usually cost more than general contracting or lower-risk services.
- Business Size
More employees and higher payroll raise your premium. Solo contractors typically pay less.
- Coverage Limits
Higher policy limits offer more protection but also increase your monthly cost.
- Claims History
Contractors with a clean claims record often qualify for lower rates.
- Location & Risk Profile
Coastal zones and high-crime areas can lead to higher premiums due to increased risk of theft, flooding, or lawsuits.
See your exact rate with a fast, custom quote built for your trade.
Rhode Island Contractor Insurance Requirements
Here are the most common insurance requirements for contractors working in Rhode Island:
General Liability Insurance
Most licensed contractors must show proof of general liability coverage to maintain an active license.
Workers’ Compensation Insurance
If you employ even one part-time worker, you’re required to carry workers’ compensation under Rhode Island law.
Commercial Auto Insurance
Any vehicles registered for business use must have commercial auto insurance.
Requirements vary by trade and city—get personalized guidance from an ACI expert.
Get a Free Contractor Insurance Quote
in Rhode Island
Don’t leave your coverage to chance. Let ACI help you find the right policy—built for your trade, timeline, and budget.