Rhode Island Workers' Compensation
Rhode Island is known for is scenic view from gilded age mansions along the shoreline to cliffs overlooking the ocean at Block Island and Mohegan Bluffs. However, The Ocean State is home to many small businesses as well as large corporate headquarters.
Rhode Island’s businesses industry has really taken off in recent years. The state is known for locations such as Colt State Park, Narragansett Bay Beaches, and Waterplace Park. Some of Rhode Island’s largest industries include agriculture, fishing, manufacturing, and tourism. CVS Health, Textron, Citizens Financial Group, Nortek, and United Natural Foods are all headquartered in the state.
Small businesses in Rhode Island employ more than 229,000 people. This accounts for 52% of the state’s private workforce, and with 10 fatalities across all industries in 2019, small businesses need to make sure that they have workers’ compensation coverage.
Large businesses also self-insure and set aside funds that are dedicated to workers’ compensation. Zenployers is a perfect match for this as well.
WC OverviewWorker’s compensation is “no-fault”. It doesn’t matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits unless they intentionally hurt themselves, they were intoxicated, or they committed fraud. Most employees need to be covered under workers’ compensation laws, but there are a few exceptions.
- Sole proprietors
- Domestic employees
- Agricultural employees
- Doctors’ visits
- Medical treatment
WC PayoutsYour workers’ comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions such as mold, or products such as caustic chemicals are all covered. If your employees are injured in this way at work in Rhode Island, they may be entitled to benefits under workers’ compensation law.
Fatal injuries were in construction and extraction occupations
Fatal injuries were ages 45-54
Fatal injuries were male
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in Rhode Island.
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