Can a sole proprietor buy workers’ compensation insurance in Rhode Island? 

No, not for themselves. Rhode Island exempts sole proprietors and partners from workers’ compensation and does not allow them to purchase personal coverage voluntarily. That rule is unusual among states. The moment you hire your first employee, however, coverage for that employee becomes mandatory. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.