Chatterton Insurance, Inc.

Change to Chatterton … "Experience the Upgrade"

Change to Chatterton … Experience the Upgrade

Insurance for Businesses in Rhode Island

Your business is our business. When things get tough, many entrepreneurs 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 building a company that you can be proud of. Unfortunately, without the proper insurance, your company could be susceptible to liability claims and damaging lawsuits.

Chatterton Insurance has been providing insurance for businesses in Rhode Island to help businesses 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 Rhode Island and throughout the region, it’s important to maintain business insurance that offers the best liability protection. It’s also essential that you stick to your budget and don’t overpay for your policies. At Chatterton Insurance, we can help you save money without sacrificing vital protection.

Don’t let an accident or a lawsuit become the reason for your company’s failure. Give us a call today. You can also fill out the form on the Contact Us 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 and Earthquake Insurance

Cyber Insurance

Inland Marine Insurance

Special Events Insurance

General Liability (GL)

General liability insurance is basic liability coverage that protects you from a variety of claims, including property damage, bodily injury, personal injury, and others that can arise from your business operations. It covers costs related to litigation and court judgments if a customer or other third party sues you or your company workers. GL is often combined with property insurance in a Business Owners Policy (BOP).


Commercial property insurance helps you recover when certain disasters jeopardize your business assets and real estate. This coverage protects most of your personal property and commercial buildings. It also covers events that include windstorms, fire, theft, or vandalism of the property you own, rent, or lease, from the sign on your storefront to your computer equipment and inventory.

Professional Liability

Professional Liability coverage is also called professional indemnity insurance or errors and omissions. This form of liability coverage policy 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 combines protection from all major business property and business liability risks in one convenient policy. A BOP is designed for smaller businesses and includes coverage for property, business interruption, and business liability protection.
Car Accident

Business Auto

Purchasing a commercial auto insurance policy depends on the type of driving your employees do. Our agents can surely take the time to sit down with you and thoroughly explain the vehicle insurance options suitable for your business. We will ask how your employees use their cars, if some employees will be using their own cars for company work and travel, and which employees drive company cars.

Workers’ Compensation

The workers’ compensation insurance policy provides medical benefits and wage replacement to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.

Chatterton Insurance helps make sure that when an employee becomes injured at work, the claim is handled appropriately and in a timely fashion. This policy will provide peace of mind for you as an employer and for your employees.

Commercial Umbrella

Commercial umbrella insurance offers businesses extra liability coverage to help protect them against the ruinous costs of claims. Significant properties can be at risk when businesses are the target of lawsuits. Suppose the price of a claim exceeds the limits of a business’s underlying primary insurance policies. In that case, commercial umbrella insurance extends liability coverage for an additional layer of insurance to further protect business assets.


Also known as “financial guaranty insurance,” bond insurance is a type of coverage whereby an insurance company guarantees scheduled payments of principal and interest on a bond or other security in the event of a payment default by the issuer of the bond or security.

Flood and Earthquake

This policy will protect your business from the damage costs that come from earthquakes or floods. It offers protection for buildings, including their physical contents and assets. You’re required to buy a flood insurance policy if your commercial building is in a high-risk flood area and you have a mortgage from an insured or federally regulated lender.


Cyber insurance is also called a privacy policy. It covers a business’ liability for a data breach in which the firm’s customers’ personal information, including credit card or Social Security numbers, is inappropriately disclosed or stolen by a hacker or other criminals who are able to gain access to the firm’s electronic network.

Employment Practice Liability (EPLI)

EPLI insurance covers any wrongful acts arising from the employment process. Under this type of policy, examples covered claims include wrongful termination, discrimination, sexual harassment, and retaliation. This insurance will also include claims from various other types of unfitting workplace conduct, including (but not limited to) employment-related: invasion of privacy, defamation, deprivation of a career opportunity, failure to promote, and negligent evaluation.
The policy coverage includes directors and officers, management personnel, and employees as insured. The most common exclusions are bodily injury (BI), property damage (PD), and intentional/dishonest acts.
A Person Signing A Contract

Inland Marine

Inland marine insurance was initially created to cover the transportation of goods over water. However, the meaning of the term has expanded to refer to the coverage of goods in land transit, as well as others’ property at your premises or being transported to or from your place. The following coverages represent wide-ranging 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

A special event policy, also called “one-day insurance,” covers special events such as weddings, concerts, sporting events, and others. Typically, policies start with event liability insurance but can also include specialty and cancellation coverages.