
Get On-Demand Liability Insurance in Rhode Island
Protect your business with short-term liability insurance coverage.
Thimble
On-Demand Insurance –
Get The Coverage You Need Immediately
On-demand General Liability Insurance can be purchased for an hour, a day, or a month! Get your certificate of insurance in less than 30 seconds with $1 million coverage starting at $5.
Why Small Business Owners Choose Thimble?
- Flexible Insurance From 1 Hour
- For the first time ever, you can get insurance from an hour, a day, or a full year, and everything in between, with no annual contracts. Never overpay for insurance again.
- Instant Certificate of Insurance
- Buy a $1M or $2M General Liability policy for yourself in seconds. No paper forms, faxes, or fuss. Get an instant ACORD insurance certificate and 24/7 access to policy documents.
- Customized for You
- Thimble understands the unique risks of different businesses. So we let you customize your policy automatically and instantly. Add any number of Additional Insureds at no additional cost. No more calls, no more waiting.
- Rely on Verifly
- All policies are underwritten by A-Rated insurers, including Markel Insurance Company, a Fortune 500 company with over $30B in assets.
- 24/7 Claims Support
- Report claims on-the-go by email or via a 24/7 toll-free hotline

Need Flexible Coverage?

Short-term policies by the job, or full-time business insurance with easy annual or monthly payments—get covered in minutes with Thimble.
General Liability
Business Owners Policies
Business Equipment Protection
Workers’ Comp
Get a quote
Rhode Island Liability Insurance Types
General Liability Insurance
General liability covers if your business is accused of causing
- Bodily injury
- Property damage
- Reputational harm
- Advertising errors
Professional Liability Insurance
Professional liability covers if your business is accused of
- Negligence
- Misrepresentation
- Violating fair and honest business practices
Workers’ Comp Insurance
Employer liability covers if your business is accused of causing
- Work-related injuries
- illnesses
Extra Liability Insurance Coverage for Rhode Island Businesses
Business Equipment Insurance
Covers for damage or loss to business equipment like machines or tools that are used over the course of your business
Commercial Auto Insurance
Covers for accidental damage or loss caused by vehicles used for running businesses like taxis and vans.
Cyber Liability insurance
Covers business loss due to cyberattacks, data breaches, or similar online security threats.
Business interruption insurance
Covers loss of income due to non-operational infrastructure due to fire, theft, or disaster.
Life & Disability Insurance
Covers loss of income due to incapacity to work or life-long disability due to workplace injury or illnesses.
Customizing Liability Insurance in Rhode Island
Every business is unique and so are the risks. Brook Insurance Associates LLC. assesses the specific needs and liabilities to provide a custom insurance solution that best protects their business.
- Gathering information about your business assets
- Prevailing business liabilities
- Comparing different insurance plans, their features, and interest rates
- Determining a policy that ticks all the boxes
Simply call us at 401-381-1350 or drop a line to hear back from us.
WHY Brook Insurance Associates, LLC.?
You Trusted Choice® agency in Rhode Island
- Tailored Insurance Solutions
- Fair and Honest Advice
- Low Interest Rates
- 24/7 Support
Appetite Guide
Thimble is the most flexible General & Professional Liability Insurance for Small Business.
Thimble works when you do — coverage by the hour, day, or month for Handymen, Contractors, Landscapers, Cleaners, Janitors, Photographers and more.
Contractors + Handymen Insurance
Available Coverage: General Liability
Events + Entertainment Insurance
Available Coverage: General Liability, Professional Liability
Fitness + Personal Trainers Insurance
Available Coverage: General Liability, Professional Liability
Freelancers + Consultants Insurance
Available Coverage: General Liability, Professional Liability
Hair + Beauty Professionals Insurance
Available Coverage: General Liability, Professional Liability
Janitors + Cleaners Insurance
Available Coverage: General Liability
Landscaping Insurance
Available Coverage: General Liability
Pet Sitters Insurance
Available Coverage: General Liability, Professional Liability
Photographers + Videographers Insurance
Photographers | Videographers
Ineligible Operations(Policies do not cover work performed before or after the policy period)
Drone Pilots Insurance
Available Coverage: General Liability, Professional Liability
Determining Business Liability Insurance Cost in Rhode Island
Each business invests in liability insurance to stay protected against unexpected events or circumstances. As a Rhode Island business, the cost of your liability insurance depends on
- The size and industry of the business
- The location of the business
- The type of risks and liabilities
- The add-on policy features
We work in your best interests. Our team works with many popular insurance carriers that get you policies tailored for maximum liabilities in Rhode Island.
You can enjoy complete peace of mind as your hard-earned money is rationally invested.
Frequently Asked Questions
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Which are the most common liability insurances for small businesses in Rhode Island?
Most Rhode Island businesses purchase the following liability insurance policies: General liability insurance Professional liability insurance Business owners’ insurance Workers’ compensation insurance Commercial auto insurance Cyber liability insurance We also provide extra insurance coverages that work best for your business. Schedule a consultation with one of us and get a policy tailored for your business.
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Is small business liability insurance expensive?
No. In fact, Brook Insurance Associates, LLC can help you with affordable liability insurance in Rhode Island. The cost, however, will be determined based on the following factors, Type of business, size, and industry Business location Types of insurance purchased Policy coverage options Get a custom quote
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What is covered under professional liability insurance?
Professional liability insurance ( also known as errors and omissions insurance (E&O) ) helps cover damages incurred due to you or your services. You can be sued if your client or customer finds your professional services responsible for their loss. Professional liability insurance protects you against Negligence Misrepresentation Inaccurate advice Personal injuries In the absence of coverage, you’ll have to pay damages out of pocket.
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Who Should Get a Professional Liability Policy?
It’s important for professionals and business owners to purchase a professional liability policy and cover maximum risks. Consider having such a policy if you: Have signed a service contract Assume the role of a service provider Provide professional consultation Some of the professions we cover are Contractors Handymen Events and Entertainment professionals Fitness and Personal Trainers Freelancers Consultants Hair and Beauty Professionals Janitors and cleaners Landscapers Pet Sitters Photographers and Videographers Drone Pilots Get a custom quote