Rhode Island Habilitative Services businesses pay $72–$360/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Providence | $90–$450/mo | Compare → |
| Cranston | $85–$425/mo | Compare → |
| Warwick | $83–$414/mo | Compare → |
| Pawtucket | $79–$396/mo | Compare → |
| Woonsocket | $76–$378/mo | Compare → |
| Providence County | $90–$450/mo | Compare → |
| Kent County | $83–$414/mo | Compare → |
| Washington County | $76–$378/mo | Compare → |
| Newport County | $79–$396/mo | Compare → |
| Bristol County | $79–$396/mo | Compare → |
Habilitative Services businesses in Rhode Island typically pay $72–$360/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Rhode Island doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Habilitative Services businesses, key covered scenarios include: Patient injury or adverse outcome claim; HIPAA data breach and privacy violation; Slip and fall in waiting room.
Top exposures: (1) Patient injury or adverse outcome claim, (2) HIPAA data breach and privacy violation, (3) Slip and fall in waiting room, (4) Medical equipment malfunction.
Top carriers in Rhode Island for Healthcare & Medical businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Habilitative Services policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Rhode Island cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.