When basic liability policies reach their limits, a serious accident could still expose your company to financial risk. Rhode Island Commercial Umbrella Insurance provides the extra coverage your business may need. Segreve & Hall helps you secure liability protection that kicks in where your primary insurance ends. Our policies are tailored to your industry, assets, and contracts so you stay protected when stakes are high.
Rhode Island Commercial Umbrella Insurance to Safeguard Your Business Assets
Trusted by Businesses for 30+ years 
Why Your Rhode Island Business Needs Umbrella Protection
Coverage that steps in when underlying policies fall short
Major claims can exceed the limits of general liability, commercial auto, or property insurance. Commercial umbrella insurance offers extra liability protection in cases such as:
- Large auto accidents
- Injuries on work sites or business premises
- Defamation or libel claims
- Product liability beyond standard policy limits
- Lawsuits related to rented premises or subcontractors
This type of policy helps protect your business savings, equipment, and future earnings.
Choosing the Right Umbrella Coverage & Limits in RI
Set limits based on risk, industry, and contract requirements
Key considerations for selecting coverage include:
- Size and value of your business assets
- Frequency and nature of risks in your industry
- Contractual obligations that require higher liability limits
- Underlying policy limits you already carry
Many Rhode Island businesses start with $1 million in umbrella coverage and increase limits from there based on exposures and contracts.
Complying with Rhode Island Insurance Laws and Best Practices
Ensure your umbrella policy meets legal and regulatory expectations
To avoid gaps or disputes, your business should ensure:
- The insurer is licensed by the Rhode Island Department of Business Regulation, Insurance Division
- Policy terms are clear on what underlying insurance must cover before the umbrella takes effect
- You maintain required underlying liability policies, such as general liability and commercial auto
You can also review state procurement requirements for insurance in business contracts via Rhode Island’s procurement statutes. They often set minimum insurance requirements for vendors or contractors.
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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 umbrella insurance required by Rhode Island law?
No law mandates umbrella insurance itself. However, many contracts, clients, or regulatory bodies require it especially in high‑risk industries or construction. It acts as an extra safeguard when base liability limits are reached.
Does umbrella insurance cover defense costs in riotous or accidental claims?
Yes. Most commercial umbrella policies cover legal defense costs, even if claims are litigated or denied. Make sure your policy clearly states defense costs are included and what limits apply once the underlying policy is exhausted.
How can I reduce the cost of umbrella insurance for my business in Rhode Island?
You may reduce your premium by:
- Maintaining strong loss control and safety programs
- Ensuring underlying liability limits are sufficient and well documented
- Bundling multiple lines of insurance under one insurer
- Implementing risk management practices in operations
Segreve & Hall helps you balance cost and coverage so you get solid protection without overpaying.
