Rhode Island Pawn Shop businesses pay $72–$300/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Providence | $90–$375/mo | Compare → |
| Cranston | $85–$354/mo | Compare → |
| Warwick | $83–$345/mo | Compare → |
| Pawtucket | $79–$330/mo | Compare → |
| Woonsocket | $76–$315/mo | Compare → |
| Providence County | $90–$375/mo | Compare → |
| Kent County | $83–$345/mo | Compare → |
| Washington County | $76–$315/mo | Compare → |
| Newport County | $79–$330/mo | Compare → |
| Bristol County | $79–$330/mo | Compare → |
Pawn Shop businesses in Rhode Island typically pay $72–$300/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Rhode Island requires workers' compensation for most employers with at least one employee. Pawn Shop businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Pawn Shop businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Rhode Island for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Pawn Shop policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Rhode Island cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.