Workers’ Compensation Insurance in Rhode Island

Whether you're running a café in Providence or managing a crew in Cranston, your employees keep your business moving. At F&T Insurance Agency, we help businesses across the Ocean State secure workers compensation insurance RI companies trust—with compliance, clarity, and one-on-one support.

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Coverage You Can Count On

Workers’ Comp That Keeps You Protected

We make sure your workers comp coverage RI meets legal standards and protects both your team and your business. Our advisors help you navigate regulations, understand your exposure, and find affordable workers comp RI policies that fit your operations—no matter your size or industry.

Medical Treatment & Recovery Support

If an employee gets injured on the job, we help ensure coverage for doctor visits, rehab, and ongoing care—so recovery can happen without delay.

Wage Replacement Coverage

When recovery means time away from work, our workers comp policies provide income replacement to help ease financial stress.

State Compliance, Simplified

We stay up to date on Rhode Island requirements so you don’t have to—keeping your business protected from penalties and claims complications.

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Questions Rhode Island Employers Ask

  • Is workers’ compensation required in RI?

    Yes. Almost all businesses with employees are required to carry workers comp insurance in Rhode Island. We help you stay compliant.

  • What’s typically included in workers’ comp coverage?

    It includes medical care, lost wages, and disability benefits related to job-related injuries or illness.

  • Can I reduce my workers comp premiums?

    Yes. We’ll assess your operations, claims history, and policy structure to find ways to lower your cost.

  • What about part-time or seasonal workers?

    Workers’ comp laws may still apply. We’ll help you clarify who needs to be covered based on your specific workforce.

  • What happens if there’s a claim?

    We walk you through the process—from filing the report to resolving the case—so your team gets the help they need, fast.

Your Local Workers’ Comp Experts

Let’s Protect Your People and Your Business

At F&T Insurance Agency, we understand what Rhode Island businesses face—from seasonal demands to changing compliance needs. Our job is to keep you protected with personal service and trusted advice, every step of the way.

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