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
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 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.
