Companies with 4 or more part-time or full-time employees are required to buy work comp insurance.

Sole-Proprietors & Partners are excluded from a work comp policy in Rhode Island, they cannot elect to include themselves.

Corporate Officers and LLC Members are automatically included in coverage, but they have the option to be excluded.

Officers and LLC Members who are not excluded from coverage must utilize a minimum payroll of $49,400 and a maximum payroll of $192,400 for the purpose of work comp premium calculation.

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