Workers' Compensation by state

Workers' compensation requirements in Rhode Island

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Does Rhode Island require workers' compensation insurance?

Yes. Rhode Island requires workers' compensation coverage once a business has one or more employees, under the Rhode Island Workers' Compensation Act. Rhode Island requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers, the Beacon Mutual Insurance Company, or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Rhode Island requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers, the Beacon Mutual Insurance Company, or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Failing to carry required coverage can bring fines, possible imprisonment for willful violations, and personal liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and partners, who may elect coverage
Certain agricultural employers below statutory thresholds
Some domestic workers and specified real estate agents

Statutes and sources

Rhode Island Workers' Compensation Act

R.I. Gen. Laws sect. 28-29-1 et seq.

Regulator: Rhode Island Department of Labor and Training, Workers' Compensation . Last verified 2026-07-29 from the official source .

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