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
biao huang
1 day ago
Been great working with Sean S for my home insurance. strongly recommend!
Manny Terra
4 days ago
My agent is Paulo Botelho he was great to explain to me about the policy I’ve got and I’m very happy with it and I’m actually referring him to friends and family thank you Paulo
Samuel Silva
4 days ago
We had a wonderful experience working with Paulo Botelho at Segreve & Hall insurance. Paulo has been extremely helpful, knowledgeable, and professional throughout the entire process. He always take the time to answer my questions, explain everything clearly, and make sure we understand our options. His patience, attention to detail, and dedication yo providing excellent customer service are truly appreciated. We highly recommend Paulo to enyone looking for a trustworthy and reliable insurance professional!
anthony carrera
4 days ago
I’ve had a great experience with Segreve & Hall Insurance! Paulo Botelho was great, very professional, and excellent at his work. He was always helpful and quick to answer any questions. I highly recommend their services!
Emily Duseau
5 days ago
I’ve had a great experience with Segreve & Hall insurance and would definitely recommend them! Paulo Botelho is especially helpful and addresses questions right away.
Cristy Donis
5 days ago
Paulo was very helpful and responsive when we needed to get additional insurance for a new contract. Great service from Segreve & Hall.
Larissa Da Silva
4 weeks ago
I had a great experience Segreve & Hall! They are extremely attentive, professional, and always willing to help. Every time I have a question, they respond quickly and make sure everything is clearly explained. Their customer service is excellent, and I truly appreciate how supportive and reliable they are. It’s great to work with a company that genuinely cares about its clients. Highly recommend!
Phil Murphy
2 months ago
For years my family and I have received outstanding service from Segreve & Hall for our home and auto insurance needs. Their team is knowledgeable, responsive, and always takes the time to explain our options and help us select the right coverage.
Over the past several years due to my experience with them, I have also invested through their financial division, Compass Financial. Their team has provided thoughtful guidance and excellent advice regarding my investments.
I truly appreciate the professionalism, personal attention, and dependable service both companies have provided. I highly recommend Segreve & Hall and Compass Financial to anyone seeking trusted insurance and financial guidance.
Rosella Cedrone
3 months ago
I have been insured with Michael Segreve and continued with Segreve and Hall for over 37 years. My experience with them has always been very informative; positive, pleasant and professional. Michael has guided me financially for many years and without his knowledge of finances I would have never been able to purchase my house and have retirement savings.
The office staff and insurance agents have always been very helpful and supportive no matter what the circumstances are.
I will continue to insure my home, business, all my vehicles and financial needs with Segreve and Hall because they are the best!
Peter Alabiso
4 months ago
I recently rewrote my auto, homeowners and umbrella policies with Segreve and Hall, who came highly receommended. Working with Sean was very straightforward and efficient. All questions were answered, in a very professional manner. A significant savings over the policies my former agent had me in for identical coverage. Very happy with the interaction and result.
Andy Chiango
4 months ago
I have been a client of Segreve and Hall for some time now. I have had nothing but great experiences and interactions with the team at Segreve and Hall. Dan St. Pierre has always been my go to point of contact. Recently, Dan was out and Fin and Michael Brandolini helped me transfer an auto policy. As always the team was great. They quickly worked through the process and got me into a new policy. They have all of my insurance business and I am grateful.
Dreams T.
4 months ago
Michael Brandolini at Segreve Hall was outstanding to work with. He was friendly, professional, and always on top of everything throughout the entire process. He followed up consistently, responded quickly whenever I had questions, and made everything easy and stress-free. On top of providing exceptional customer service, he found me the best price for my car insurance. I truly couldn't have asked for a better agent. I highly recommend Michael to anyone looking for someone who genuinely cares about their clients and goes the extra mile, especially when dealing with car insurances and quotes. I was recommended to reach out to him and he saved me money and time and stress. Thank you Michael; it was much appreciated.
Kellie S
4 months ago
Excellent experience with Segreve & Hall Insurance Associates! Thomas went above and beyond to make sure I had the right coverage and everything was accurate. He also helped resolve an issue with my renters insurance by quickly updating the documentation multiple times, which saved me from unnecessary charges by my apartment complex. The team was always responsive, professional, and genuinely cared about getting everything right. Highly recommend!
Victoria Cusanello
4 months ago
Three generations of my family are insured through Segreve and Hall, and I cannot speak more highly of the service Thomas has provided for us recently. When I needed my car insured after moving back to MA, he took care of everything. It is hard to come by a trustworthy company like Segreve and Hall that consistently exceeds expectations and is so responsive and transparent at the same time. Highly recommend these folks for any and all insurance needs!
Dennis Molla
5 months ago
We've been using S & H Insurance Associates for 10+ years.
I have all of my construction company insurance with them + personal cars and motorcycle.
They work efficiently, get back to me with information quickly, never any problems.
Highly recommend them.
Maryanne Ham
6 months ago
We recently transferred over our insurance and received prompt, kind, and professional support throughout the process. Thomas S made everything easy and took the time to answer our questions clearly. We really appreciated the smooth experience and excellent customer service.
Emad Lababidi
6 months ago
I have been working with S&H insurance for the past few years; I have insured multiple properties and autos. S&H has provided me excellent service, prices and has been responsive to all the questions I had throughout the years. Sean, Dan, Ashley and other staff have been excellent with the attitude and friendliness to work with. They have even asked me to provide my kids school transcript in order to help us reduce the cost of the insurance. They have gone above and beyond in service compared to many insurance companies I have dealt with in the past. They have provided me with many quotes from different sources to compare prices and made the process easy to select the right insurance for us. I would recommend S&H Insurance company to anyone because of the responsiveness, knowledge and reliability.
Tim Klingenberger
7 months ago
Every once in a great while , and seldom these days, you meet a true professional.
Paul Botelho is an absolute Professional.
I was really impressed by Paul and his professional, fast, and friendly service.
He answered all my questions and guided me through the things in needed help on.
After 35 years working with the top luxury brands I can definitely say that Paul provides a high performing top tier service that feels like a luxury experience with great pricing. You’ll be glad you called him. He truly appreciates his clients and it shows.
Etson Tavares
7 months ago
Always great to work with Segreve & Hall. The people there are fantastic, professional and they help make the process simple and stress free. Second time getting a different policy and both times went smoothly. This recent policy was a commercial policy and I was assisted by Paulo. He was extremely helpful and worked diligently to get me the best price possible. Given the current insurance market conditions I’m extremely satisfied with the premium I received. Top notch customer service. More importantly the continued customer support they provide. Highly recommend Segreve and Hall.
Max Giesen
8 months ago
Segreve Hall insurance made the process of getting insurance easy. We checked with multiple agencies and firms, however Thomas helped us find the best deal for our new home. He was extremely responsive and patient with us throughout the whole process. We will definitely be going to them for any of our insurance needs.
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.
