Rhode Island
What the Rhode Island authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Which Rhode Island employers must carry workers’ compensation insurance?
The Rhode Island Department of Labor and Training states that with limited exceptions, employers with one or more employees are required to have workers’ compensation insurance coverage. The Department publishes that individual owners and partners are exempt while most corporate officers are included, so how a business is structured changes who counts.
“With limited exceptions, employers with one or more employees are required to have workers’ compensation insurance coverage.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.