If your business uses vehicles—whether vans, trucks, or service cars—having solid Rhode Island Commercial Auto Insurance is essential. State law mandates minimum liability limits, but those often aren’t enough to protect your assets. At Segreve & Hall, we build policies that meet Rhode Island’s legal obligations, cover physical and liability risks, and support your fleet or single‑vehicle operation with tailored solutions.
Rhode Island Commercial Auto Insurance That Keeps Your Business Moving
Trusted by Businesses for 30+ years 
Liability Minimums Required by Rhode Island Law
Meet minimums and avoid penalties
Rhode Island requires that all commercial auto policies include at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage liability
These are the legal minimums under Rhode Island law for commercial auto insurance. Carrying less than that can expose your business to fines, lawsuits, or license issues. Segreve & Hall helps ensure you meet or exceed those minimums to protect both your business and your reputation.
Comprehensive Coverage Options for Business‑Owned Vehicles
Go beyond basics with protection for your fleet
In addition to liability, consider adding:
- Collision & comprehensive coverage (damage to your own vehicle)
- Uninsured/underinsured motorist (UM/UIM) coverage
- Medical payments or personal injury protection (PIP)
- Hired & non‑owned auto coverage (vehicles your business rents or employees drive)
- Physical damage, theft, and vandalism protection
These options allow you to build a policy that fits your risk profile and operations, whether you have one work truck or a fleet across Rhode Island.
Rate Factors & Local Expertise That Matter
What influences your commercial auto premium in RI
Several factors impact how much you’ll pay:
- The type and size of your vehicles
- How often and how far they travel
- Your drivers’ driving records & claims history
- Whether vehicles operate in urban areas (e.g. Providence) vs rural areas
- Use of safety/anti‑theft devices or formal safety programs
Because Rhode Island has diverse driving environments—from densely trafficked areas to coastal and rural zones—understanding local risk makes a big difference. Our agents locally assess your operations to find the best premiums and protection.
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From Our Clients
Mike Brandolini and team were able to save the day to get us in our new car quickly and, better yet, at a significantly lower insurance rate. The entire process was seamless, painless, and quick. We are so glad we found Segreve & Hall! Thank you!
Worked with Geoffrey for our home and flood insurance!
Geoffrey helped us secured a great deal. Geoffrey is very kind and honest, has vast experience in insurance domain , and does not tries to oversell any unwanted stuff. He promptly and patiently answered all our questions . It was a great experience working with Geoffrey Cedrone.
Geoffrey helped us secured a great deal. Geoffrey is very kind and honest, has vast experience in insurance domain , and does not tries to oversell any unwanted stuff. He promptly and patiently answered all our questions . It was a great experience working with Geoffrey Cedrone.
The staff at Segreve & Hall are always welcoming and always seem to have an answer to any questions I may have. The insurance consultant Michael Brandolini is quick with his response and makes time for you. He helped me to navigate insurances and have a good understanding of them. Thank you
Recently sold my trailer and bought a park model and my new neighbor is Paulo Botelho. He mentioned he is in the insurance business and could give me a quote. Now I'm insured for trailer and golf cart. Great policy, great price and it couldn't have gone smoother.
Thank you Segreve & Hall and especially Paulo.
Thank you Segreve & Hall and especially Paulo.
I want to extend my heartfelt gratitude to Segregated & Hall Insurance, specifically Michael Brandolini, for their exceptional service. Michael went above and beyond to assist me in securing my Commercial Auto insurance for NEMT. His expertise and dedication made the entire process seamless and stress-free.
Michael was incredibly responsive, answering all my questions with patience and clarity. His thorough understanding of the insurance landscape and commitment to finding the best solutions for my needs truly set him apart. I felt supported every step of the way, and it was clear that he genuinely cares about his clients.
I highly recommend Segregated & Hall Insurance for anyone in need of reliable insurance solutions. Thank you, Michael, for your outstanding service!
Michael was incredibly responsive, answering all my questions with patience and clarity. His thorough understanding of the insurance landscape and commitment to finding the best solutions for my needs truly set him apart. I felt supported every step of the way, and it was clear that he genuinely cares about his clients.
I highly recommend Segregated & Hall Insurance for anyone in need of reliable insurance solutions. Thank you, Michael, for your outstanding service!
I had such a great experience working with Thomas Segreve as my insurance agent. He took the time to really explain everything to me in a way that made sense, which I genuinely appreciated. Insurance can be overwhelming, but he made the process very smooth.
What stood out most was how responsive and easy to reach he was. Anytime I had a question, he got back to me quickly and made sure I felt confident in my decisions.
If you need someone who’s knowledgeable, trustworthy, and truly helpful, I can’t recommend Thomas enough
What stood out most was how responsive and easy to reach he was. Anytime I had a question, he got back to me quickly and made sure I felt confident in my decisions.
If you need someone who’s knowledgeable, trustworthy, and truly helpful, I can’t recommend Thomas enough
I had an excellent experience with Segreve & Hall Insurance. From the beginning, the process was explained with patience and clarity, which made everything easy to understand. I felt well supported throughout, and all my questions were answered quickly.
The team is professional, knowledgeable, and very attentive. I truly appreciate the service provided and highly recommend Segreve & Hall to anyone looking for reliable insurance assistance.
The team is professional, knowledgeable, and very attentive. I truly appreciate the service provided and highly recommend Segreve & Hall to anyone looking for reliable insurance assistance.
I’ve had an excellent experience working with Michael Brandolini as my auto insurance agent. He is always professional, responsive, and genuinely cares about helping his clients find the best coverage. Michael takes the time to explain details clearly and makes the whole process smooth and stress-free. I really appreciate his reliability and dedication, and I would highly recommend him to anyone looking for a trustworthy insurance agent.
Segregated & Hall Insurance were so helpful, especially Michael Brandolini, in finding my family new home and auto insurance. We have two teen drivers and were quoted a crazy rate. Michael reviewed our policies and saved us an incredible amount of money per year! I am very happy with their service!
My experience working with Segreve & Hall has been great. I recently purchased a car and while at dealership the salesperson said that we just had to wait for my insurence company to respond to finish the deal as he faxed the paperwork and it may take awhile. Few minutes later he responded saying wow that was the fastest ever getting information back. Thanks to Paulo Botelho and his speedy service I was in and out of the dealership in no time and the salesperson was also impressed!!
I had the pleasure of working with Michael Brandolini at Segreve & Hall insurance associates, and I can’t recommend them enough. They are extremely knowledgeable about insurance policies, regulations, and procedures, and they make even the most complex details easy to understand. Their professionalism and attention to detail gave me full confidence that I was making the best decisions for my needs.
What stood out most was their ability to listen carefully, explain options clearly, and guide me through the entire process without ever feeling rushed or pressured. They were always quick to respond to my questions and went above and beyond to make sure everything was handled correctly and efficiently.
If you’re looking for someone who is dependable, trustworthy, and truly has your best interest at heart, Michael Brandolini at Segreve & Hall is the person you want on your side.
What stood out most was their ability to listen carefully, explain options clearly, and guide me through the entire process without ever feeling rushed or pressured. They were always quick to respond to my questions and went above and beyond to make sure everything was handled correctly and efficiently.
If you’re looking for someone who is dependable, trustworthy, and truly has your best interest at heart, Michael Brandolini at Segreve & Hall is the person you want on your side.
I was put into contact with Segreve & Hall by the dealer I got my car from. Paulo has been excellent in helping me understand how everything works and making sure my car payments go through smoothly with no issues. Thank you for all your thoroughness and checking in on me to make sure everything is going okay! I appreciate you all so much. Highly recommend!!!
Michael Brandolini is a wonderful insurance agent and one of the best I have ever worked with! He is always incredibly responsive, no matter the time or day, and consistently goes above and beyond to provide the information I need quickly and clearly. Michael makes the whole process easy and stress-free, and I always feel confident knowing he has my best interests in mind. Highly recommend him to anyone looking for exceptional service and peace of mind.
The main reason I am giving 5 stars is because of Michael Brandolini’s amazing service. He is always very responsive, prompt and made sure I understood my policy in depth. He is a great addition to your company and I’m very grateful to have made this switch earlier this year. Grateful to have a smooth easy process with something that is very stressful for us all. Thank you to the company & Michael
Michael Brandolini was incredibly helpful! We had some last-minute changes for both my rental property and my new home, and he handled everything quickly and seamlessly. Excellent service and truly a pleasure to work with. Will be continuing to use this team for my future needs. 10/10 would recommend.
We were with another Insurance Agency for 30 years plus and our agent retired (a friend). No complicated policies, Family of 5 for home and auto insurance. It grew more and more difficult to deal with them, and often had to ask 3-4 times for info or policy adjustments. A friend recommended Segreve and Hall and we are glad that they did!!. Along with saving us thousands of dollars for the same policies , the service is fantastic. Any inquiry I send over via email, I have the answer within hours. A phone call has everything addressed without waiting for a call back. For us, appreciation for a customer and respect for their time means lot.!
M. Brandolini was excellent to work with. He gave my family members and myself excellent quotes.
He took care of the transition from our old company to Segreve and Hall.
I would highly recommend.
He took care of the transition from our old company to Segreve and Hall.
I would highly recommend.
Outstanding service from start to finish. Brian Segreve has been a tremendous asset to my trucking company, securing commercial insurance coverage at a competitive rate. The team at Segreve & Hall is lightning-fast in responding to questions and COI requests, and their professionalism gives me complete confidence. I couldn’t be happier with the service they provide.
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
Frequently asked questions
Is commercial auto insurance mandatory in Rhode Island for business vehicles?
Yes. If you operate vehicles for business purposes, Rhode Island requires that you carry commercial auto liability insurance with at least the state minimums (25/50/25 split). This applies whether you own, rent, or lease the vehicle.
What coverage beyond the legal minimum should my business consider?
Every business should consider adding UM/UIM coverage, collision, comprehensive, and hired/non‑owned auto coverage. These protect your business when liability limits run out, or when damages arise from non‑collision events or vehicles you don’t directly own.
How can I lower my commercial auto insurance costs in Rhode Island?
You can reduce costs by:
- Maintaining clean driver records
- Using safety features and safety programs
- Bundling commercial auto with other business insurance policies
- Monitoring and limiting high‑risk operations
- Properly training drivers
Segreve & Hall works with you to identify cost‑saving opportunities that don’t compromise on necessary protection.
