> Weather The impact of weather on businesses is more complex than you might think. Weather obviously affects outdoor operations that depend on fair weather — for example, events like fairs, festivals, concerts, sporting events or filming.
> Flood Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.
> Dependent Property This refers to a kind of business-interruption endorsement on a commercial policy that protects you from financial losses caused by problems somewhere other than your business. “Dependent property” is defined as property not owned, operated or controlled by you but on which you are dependent for normal business operations.
Get
a Quote - Rhode Island Health
Insurance Advisor
Are you prepared for a health related emergency? Our health is one of the most important aspects of our lives. Rhode Island Health Insurance is a necessity and one of the smartest purchases that you could possibly make. Don't put yourself at risk of having to pay a large medical bill. Anything can happen at anytime!
The main reasons that Rhode Island health insurance is necessary:
To avoid expensive medical bills
In case of emergencies
Hospital visits
Doctor visits
Treatment, whether the condition is mild or severe
Health maintenance organizations, also known as HMO's, are one of the most common types of Rhode Island health insurance. Selecting this type of health insurance
involves choosing a physician from a list of HMO doctors in a certain area. This
becomes the primary physician and in order to see a specialist, the main doctor
will have to write a referral. While this option is less flexible than other
options, it is also less expensive.
Preferred provider organizations, also known as PPO's, are another common type of Rhode Island health insurance. With a higher premium, the policyholder
is allowed more flexibility, such as seeking medical care from a physician outside
of the PPO network and not needing a referral from their primary physician. When
seeking medical attention outside of the PPO network, the insurance company will
usually reimburse the policyholder for up to 80% of the medical bill.
(1) underwriting (assuming the risk, assigning premiums, and so forth) annuities and insurance policies.(2) facilitating such underwriting by selling insurance policies, and by providing other insurance and employee-benefit related services in Rhode Island
Establishments
565
Revenue ($1,000)
Not Available
Annual payroll ($1,000)
391,273
Paid employees
11,152
Source: U.S. Census Bureau Insurance carriers and related activities
Contact our Rhode Island Insurance Advisors
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Rhode Island Insurance Advisors today:
Barrington
Bristol
Central Falls
Coventry
Cranston
Cumberland
East Greenwich
East Providence
Johnston
Lincoln
Middletown
Narragansett
Newport
North Kingstown
North Providence
Pawtucket
Portsmouth
Providence
Riverside
Tiverton
Wakefield
Warwick
West Warwick
Westerly
Woonsocket
Did You Know?
Generally, you must report as income any amount you receive for your disability through an accident or health insurance plan paid for by your employer.
If both you and your employer have paid the premiums for the plan, only the amount you receive for your disability that is due to your employer's payments is reported as income. If you pay the entire cost of a health or accident insurance plan, do not include any amounts you receive for your disability as income on your tax return. If you pay the premiums of a health or accident insurance plan through a cafeteria plan, and the amount of the premium was not included as taxable income to you; the premiums are considered paid by your employer, and the disability benefits are fully taxable.
Rhode Island External Sites
RI.gov : Rhode Island Government : Press Release
The Official Web Site of the State of Rhode Island - Your gateway to ... “As Health Insurance Commissioner, Chris will be my top advisor on health ca RI.gov : Rhode Island Government : Press Releases
The Official Web Site of the State of Rhode Island - Your gateway to information about ... F. Koller as Rhode Island’s first Health Insurance Commiss
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Latest News
Latest Insurance related news in
Rhode Island and nationwide:
Mar 02, 2007 - Secure The Right Care In Your Later Years HIPAA offers protections for individuals who have preexisting conditions, helping them to keep coverage for those conditio Read more >
Mar 02, 2007 - Keep Health Coverage After A Job Change Most individuals go through a number of life events that affect their health benefit needs and the choices they make. Ther Read more >
Mar 02, 2007 - More Americans Struggle With Health Care Costs TUESDAY, Dec. 12/2006 (HealthDay) More Americans are forced to spend more of their family income on health care, and more Read more >
Legal Disclaimers The information provided on Rhode Island Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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Data for the Finance & insurance sector 
Did You Know?
RI.gov : Rhode Island Government : Press Release