If your Rhode Island business employs even one worker, you’re legally required to carry workers’ compensation insurance. This essential coverage protects your employees by paying for medical expenses and lost wages when injuries occur on the job. It also shields your business from costly lawsuits. At Segreve & Hall, we build policies that meet Rhode Island’s strict requirements and keep your team protected.
Rhode Island Workers’ Compensation Insurance for Businesses That Value Their Teams
Trusted by Businesses for 30+ years 
Required Coverage for Rhode Island Employers
Who needs workers’ comp and what’s mandated by law
In Rhode Island, any business with one or more employees must carry workers’ compensation insurance. Exceptions are limited and typically apply only to sole proprietors or certain independent contractors. Employers are also required to:
- Post insurer contact information at the workplace
- Provide proof of insurance upon request
- Report injuries to their insurance carrier promptly
Failure to comply can result in fines or stop-work orders from the Rhode Island Department of Labor and Training (DLT).
What Workers’ Compensation Covers in Rhode Island
Care for injured workers, protection for your business
Workers’ comp policies in Rhode Island typically include:
- Medical treatment and emergency care
- Prescription medication and ongoing rehabilitation
- Wage replacement while the employee is out of work
- Permanent disability or death benefits in severe cases
- Vocational training if the employee can’t return to their prior job
This no-fault system benefits both employers and employees. Segreve & Hall helps ensure your policy aligns with your industry’s risks and staffing structure.
Managing Claims and Staying Compliant
Reporting responsibilities and staying audit-ready
Rhode Island employers must:
- File a First Report of Injury (FROI) after workplace incidents
- Notify the insurer within 10 days of injuries that result in more than 3 lost workdays
- Use official forms when classifying independent contractors (e.g. DWC-11-IC)
- Display workers’ compensation posters and insurer info in visible areas
Segreve & Hall provides support throughout the claims process, helping businesses avoid costly delays and penalties.
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From Our Clients
I had a great experience working with Segreve & Hall Insurance, especially with Paulo Botelho. I checked with a few different agencies, but this one truly went above and beyond. Paulo was super helpful, responsive, and found me excellent prices—especially with having multiple policies. The whole process was smooth and stress-free. Highly recommend!
I was looking for a commercial auto policy and found Segreve & Hall online. I decided to give them a try based on their excellent reviews. I spoke with Dan St. Pierre first, and provided information on the phone and via email. Within a couple of hours, Paulo Botelho sent me two very competitive quotes. I was already impressed by how responsive they were. Then I had several phone calls with Paulo on the following days, and went over the details. Since this was my first commercial policy, Paulo gave me a very good explanation of its differences from a personal one. He also helped adding the business name to the registry. It has been a great experience working with Paulo. I have no hesitation recommending Segreve & Hall to anyone with insurance needs. A job well done!
I was looking to change insurance and reduce our out of pocket expenses for both auto and homeowners. Paul Botelho came highly recommended to me and he did not disappoint. He advised what the best option would be and then he streamlined the change very quickly. He kept me informed of the process and answered all my questions promptly and was a wealth of knowledge. I would highly recommend Segreve and Hall as well as Paul.
Paulo was an awesome help! Helped me save hundreds on my auto insurance. 10/10 recommend doing business with him. I’ve already sent family members his way for insurance, and will continue to send anybody I know in need his way. Thanks again!
I have my home, business and autos with Segreve & Hall, very happy with the service, always very responsive to my needs and very knowlegeable. They always try offer alternatives to try to save me money. Michael Brandolini and the whole team at Segreve & Hall is alway very helpful when I call in.
The agency was enthusiastically recommended by a friend and everything has lived up to my expectations.Everyone at this agency has been great in helping me to obtain insurance for my new home and transfer my auto insurance. They have made it so easy. Each person I have dealt with has been professional, courteous, responsive and knowledgeable.
I dealt with Tom Segreve at Segreve & Hall when we wanted to compare different insurance companies for our homeowners and our auto policies. Tom was very helpful and checked several top insurance companies that they offer. He found us the right coverage and also saved us money! We highly recommend them!
Couldn't be more happy with the service I received from Brian Segreve at Segreve and Hall Insurance Associates. I recently bought my first home and he made getting my home and auto insurance easy and strait-forward, and I felt like he genuinely care about finding the best coverage for me and my family. All my questions were answered promptly, and everything was explained in a way that made sense. Highly recommend!
A relative referred me to S&H as I had indicated a change was needed with my current agent of 32yrs. I connected with Finn Collins at S&H and explained my situation and what I was hoping to do. He asked a few questions, I provided my coverage sheets and he took it home from there. He mapped all my options as requested to the T, made a few suggestions on gaps in my current plan and provided options all of which were better than my current rates but with more coverage. Too good to be true? I inquired on how drivers with near perfect driving records and a 30+yr relationship with existing carrier can get better rates with new carrier and no history. He provided industry white papers explaining how....Who knew? I do now. Thank you S&H and Thank you Finn C! I am passing on your info to my contacts!
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I had an excellent experience working with Segreve & Hall. They were incredibly customer-centric, responsive, and made the entire process easy from start to finish. Their team went above and beyond to make sure everything was handled quickly and correctly. I highly recommend them to anyone looking for knowledgeable, reliable, and genuinely helpful insurance experts.
I received excellent service from Wanda E. Morales. She has always been available to help me with any questions or procedures related to my insurance, and every time I've needed something, she has resolved everything quickly, clearly, and efficiently. Her service is friendly, professional, and very reliable; her experience and commitment to her clients are truly evident. I am extremely grateful for her patience, support, and the peace of mind I get from knowing I can count on her in any situation. I highly recommend her.
We had an excellent experience with this insurance company. Wanda and Dan were very efficient and provided all the information we needed promptly. Special thanks to Dan, who went above and beyond to find my mother more coverage for less money. His professionalism and attention to detail made the process smooth and stress-free. Highly recommend their services!
I’ve had my liability insurance for my small business with Segreve & Hall for many years. The customer service wasn’t always that fast. But now that I’m working with Michael Brandolini directly I’ve had a great experience. He always responds in a timely manner. Would recommend him to anymore looking for insurance.
Used S&H to insure my very first condo - although I've owned several homes, this is the first time in condo-land, and I was pretty unfamiliar with the process. Thomas helped walk me through all the options, and also the fact that we ended up closing 2.5 weeks later than anticipated! He also helped with quite a few special circumstances. Very happy and would work with them again!
My friend recommended this agency to me, and they’ve been great to work with, especially working with Paulo! He is always quick to respond and really helpful whenever needed. Working with them has been very simple and stress-free, which I really appreciate. Definitely recommend them to anyone who is looking!
I’ve had an excellent experience with Segreve & Hall Insurance Associates Inc., especially thanks to Paulo Botelho. Paulo went above and beyond to make the entire process smooth, clear, and stress-free. He was incredibly responsive, knowledgeable, and took the time to explain all my options in detail. It’s rare to find someone who truly cares about finding the best coverage and value for their clients, but Paulo does exactly that. I highly recommend reaching out to him and the team at Segreve & Hall if you’re looking for great service and genuine professionalism.
Michael Brandolini was fantastic to work with! He helped me get a competitive insurance quote for risk and liability and took the time to go over all the coverage details, making adjustments as needed. He was prompt, professional, and a pleasure to work with throughout the process. I highly recommend Michael to anyone looking for insurance quotes!
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
Frequently asked questions
Is workers’ compensation required for part-time employees?
Yes. In Rhode Island, part-time, seasonal, and full-time workers must be covered under your workers’ compensation policy if they are employees. The law does not distinguish by hours worked.
How do I designate someone as an independent contractor?
To classify a worker as an independent contractor, you must file a DWC-11-IC form with the Rhode Island DLT. Misclassification can result in penalties and retroactive insurance costs.
What happens if I don’t carry workers’ compensation insurance?
Operating without required coverage can lead to fines, stop-work orders, and lawsuits. It also exposes your business to uncovered medical or wage claims if an employee is injured. The DLT conducts audits and can enforce penalties for noncompliance.
