150 Main Street, Pawtucket, RI 02860   Call 401-722-6010

Chatterton Insurance, Inc.

Featured Carriers.

We're proud to feature several fine insurance companies.

Business Insurance

“Change to Chatterton ... experience the upgrade!”

Your business is our business.

When things get tough, many business owners look for ways to cut costs. If you decide to cut back on insurance, you could be making a fatal mistake. If you own and operate a small business, you have spent an incredible amount of time, money, and energy to build a company that you can be proud of. Unfortunately, without the proper insurance, your company could be susceptible to liability claims and damaging lawsuits.


At Chatterton Insurance, we have been helping companies in RI with affordable business insurance solutions in good times and in bad. We strive to offer policies that are both affordable and complete.

As we climb out of the economic hard times in RI and throughout the region, it’s important to maintain business insurance that offers the best liability protection. It’s also important that you stick to your budget and don’t overpay for your policies. At Chatterton Insurance we can help you save money without sacrificing on vital protection.


Don’t let an accident or a lawsuit sink your business. Give us a call today or simply fill out the form on this page for more information and a consultation with one of our commercial specialists.


Our Business Services Include:

  • General Liability Insurance
  • Property Insurance
  • Professional Liability Insurance
  • Business Owner's Policies
  • Business Auto and Fleet Insurance
  • Worker's Compensation Insurance
  • Commercial Umbrella Insurance
  • Bonding Insurance
  • Flood & Earthquake Insurance
  • Cyber Insurance
  • Inland Marine Insurance
  • Special Event Insurance

Contact Us For A Free Quote!

General Liability

General liability insurance (GL) is basic liability coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.  Covers costs related to litigation and court judgments if a customer or other third party files suit against you or your employees.


It is often combined with property insurance in a Business Owners Policy (BOP).



Commercial Property Insurance helps recover when certain disasters jeopardize their business assets and real estate.  This can protect your commercial buildings and most of your personal property. It covered events might include fire, windstorms, theft, or vandalism of the property you own, lease or rent, from the sign on your storefront to your computer equipment and inventory.


Professional Liability

Professional Liability coverage can also be called professional indemnity insurance or errors & omissions.  This form of liability insurance helps protect the business assets and integrity -against claims of negligence or failure to perform your professional services .


Business Owner's Policy (BOP)

A Business Owner's Policy (BOP) combines protection from all major business property and business liability risks in one convenient policy.  A BOP is designed for smaller businesses and include coverage for property, business interruption and business liability protection.


Business Auto

The purchase of a commercial auto insurance policy is dependent on the type of driving your employees do. Our friendly agents will take the time to sit down with you and explain your business’ vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.


Worker's Compensation

Few are more important than your company’s workers compensation insurance policy. Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.


Let Chatterton Insurance help make sure when an employee becomes injured on the job, the claim is handled correctly and in a timely fashion. Workers compensation will provide peace of mind for you as an employer and for your employees.


Commercial Umbrella

Commercial Umbrella Insurance provides businesses with additional liability coverage to help protect them against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, Commercial Umbrella Insurance extends liability coverage for an additional layer of insurance to further protect business assets.




Bond insurance (also known as "financial guaranty insurance") is a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.


Flood, Earthquake

This coverage will protect your business from the damage costs that come from earthquake or flood.   It offers protection for buildings and also the physical contents and assets.

If your commercial property is in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, you are required to purchase a flood insurance policy.




Cyber, also called privacy policies, cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network.


EPLI (Employment Practice Liability)

Any wrongful acts arising from the employment process will be covered through EPLI coverage. Examples of types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.  Coverage will also include claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insured. The most common exclusions are for bodily injury (BI), property damage (PD), and intentional/dishonest acts..


Inland Marine

Inland marine insurance was first created to cover the transport of goods over water, but the definition of the term has expanded to refer to the coverage of goods in transit on land, as well as to the property of others that is at your premises or being transported to or from your premises.

The following coverages represent a wide range of the types of coverages typically called "inland marine".

• Accounts Receivable

• Bailee Customer's Goods

• Builders' Risk

• Camera and Photographic Equipment

• Communication Towers and Equipment

• Computer Coverage

• Contractors Equipment


Special Events

Special Event insurance, also called One Day insurance, covers special events such as weddings, sporting events, concerts and more.  Policies typically start with event liability insurance but can also include specialty and cancellation coverages.


Here now for when you need us most.


Chatterton Insurance is an expert in Risk Management and insurance sales. We are armed with cutting edge computer hardware and software systems. We offer multiple lines of coverage representing some of the strongest insurance carriers available. Learn More

Supporting the Rhode Island community for decades.


Quick Links.