Business Insurance

Insuring your Rhode Island business in Providence, Cranston, Warwick or anywhere else is often more complex than your home or automobile.  Ask us to help.  We are really good at it.
Burns & Cotter, Inc. offers a full range of affordable and effective solutions for your commercial insurance needs.  We are considered generalists with respect to commercial insurance products but have knowledge and wide ranging resources covering a broad range of commercial enterprises.  We also have access to many specialized programs that fit specific industry needs and use those where they best fit the changing needs of our long established clients. We have also helped many new enterprises find the right coverage for their new venture and helped them reduce or eliminate exposure to loss from liability risks to property protection.  We take great pride in making certain that our clients understand the wide range of risks that their particular business will face and offering ways to protect against those risks. A sampling of those that we have helped in the past include:
  • Manufacturers, from: Large equipment weighing multiple tons, to jewelry weighing a few grams
  • Sole Proprietors ranging from performers to plumbers
  • Distributors ranging from: Food to forest products
  • Professionals from: PhDs to MD’s to DVMs and Architects to Engineers
  • Retail establishments from: lamps to liquor
In short, if you have a business we will find the best and most economical way to provide coverage for it.

Call us now at (401) 421-0100
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Receive a free, no obligation quote

I am always pleased to know that whenever I call Burns & Cotter an actual person answers the phone. The staff is very knowledgable and helpful. They conduct business the way it's supposed to be, reliable and personable.

-Courtney Buteau

I've worked with Deb for over 5 years. Each year she searches for the lowest rates and has my business best interest in mind. She responds in a timely manner and is very thorough with her job.

-Shawna Manning

I have worked with Burns & Cotter for over 10 years for various combinations of home, car and business insurance and couldn't be more pleased. Vivien has always taken great care of me, and it is a pleasure to deal with the entire office.

-Elias Laham

I have had my insurance policy through this agency for 10+ years -- great service, friendly staff, would highly recommend them!

-A Google User

    Putting Business Insurance in Perspective

    Here is a list of the top 10 causes of loss for businesses arranged from most frequent to least.

    Tips for buying Business Insurance

    1. Assess your risk and your needs. How much Property (Building and Contents) do you need? What Liability risks are you exposed to? Do you use Automobiles in your business? Are there special risks that are unique to your business? 2. Shop your business insurance...

    Business Insurance

    Business insurance can be very complex. Our experienced staff will offer you various coverage options.

    Keep Your Payrolls Current

    Make sure that you periodically review your payrolls on worker's comp.

    Cover New Purchases

    When you purchase new equipment or office items, call your insurance agent to review your coverage to make sure your limits are adequate.