Workers Compensation Insurance in North Kingstown and South Kingstown, RI


Workers compensation insurance reimburses the costs of providing employees with benefits related to on-the-job injuries or illnesses contacted at work.  It’s required for all businesses in Rhode Island, except for sole proprietorships.  Even when it’s not required—as with sole proprietorships—workers compensation is still invaluable. 


Workers compensation makes employees feel comfortable and gives employees confidence that their employers care about their safety, while simultaneously keeping employers from suffering unnecessary financial losses.  At Capalbo Insurance Group, LLC we have a complete, flexible workers compensation insurance program.  We write customized policies and plans for employers in North Kingstown and throughout Southern Rhode Island.  When we write your customized policy or plan, your employees and your operation will be protected.



Rhode Island has state minimum coverage requirements for workers compensation, and while meeting these requirements is important, exceeding these requirements to get appropriate coverage can be a better decision for your business.


Big companies often need very high limits because they have a great number of assets and/or face high-level exposures.  In some cases, small companies working with or for large companies need to have workers compensation insurance that matches the limits of the larger company.  This is another reason why insuring above state minimum requirements is beneficial.


We work with a variety of A-rated carriers to ensure that we find the right insurance companies for our clients.  Finding the right companies for clients is very important to helping keep coverage adequate and premiums affordable. We understand that affordable, adequate coverage is extremely important, especially for high-risk and high-cost industries like roofing.




There are thousands of workers compensation classifications. Are you sure your workers compensation payroll classifications correct? If not, you could be paying more you should be. At Capalbo Insurance Group, LLC, we’ll make sure that won’t happen. Classifying employees correctly will save you money, and protect you from liability. We do this for new policies, and work with you to maintain correct classifications for the length of your policy.


For example, if you are a landscaping company with several landscapers, a manager, and a clerical employee, each employee will be classified according to the appropriate amount of risk. Lee is extremely adamant on making sure this happens, preventing her insureds from being overcharged or under-protected. She takes all factors into consideration, including experience modifications, track records, and histories of good practice employment.


Are you getting all the discounts you are entitled to?  Does your agent assist you with audit questions? Do you know that sometimes incorrect loss information can affect your premium? If you want a uniquely personal and attentive experience with workers compensation that includes the above, and more, contact us or give us a call today.  To start on a policy, request a quote.





At Capalbo Insurance Group we’re proud to provide workers compensation in North Kingstown, South Kingstown, Narragansett, East Greenwich, Coventry, and Warwick, RI.  We also serve other areas in the state and we serve Massachusetts and Connecticut.

Our Location

Capalbo Insurance Group, LLC

49 S County Commons Way F-3F
North Kingstown, RI 02852
Main office: 401-213-3359

Our Providers

Lee and Morgan Capalbo really helped my family and I out. They know what they are doing and will go to bat for you to put you and your family in the best possible position. Just like they did for me and my family with our auto and home insurance.
Donnie H.
I have been with Capalbo Insurance Group for close to 10 years now and prior to that I had always shopped around between the usual well known insurance carriers. Capalbo has access to countless providers that may not be mainstream in respect to brand name, however they offer the same benefits and are considerably less expensive. I insure my automobiles, my motorcycle and my home through Capalbo and they have paired me with providers that have saved me thousands. I've also never had an issue with filing a claim, even if it was my fault. I have to take a moment to discuss customer service. On occasion, due to some hardships that I've incurred in the past, I've had a laps in coverage due to non payment. In these instances Morgan worked with me and my provider to allow me to make my required payment without losing the provider. Other insurance companies will drop you and will not re-instate you. I have, and continue to recommend Capalbo to friends, family or even strangers if I overhear a conversation! I guarantee you regardless of who you have for a carrier today, one call to Capalbo will put you into a less expensive premium with the same coverage you currently have. And no, I am not affiliated with this company what so ever :)
Michael M.
Several years ago I was in search of an insurance agency that could meet my changing needs. My brother, a local self-employed contractor recommended I talk to his agent, Capalbo Insurance. Since, I have insured my contractors, home, rental property and RV insurance with Capalbo. Prior to my renewals, Morgan calls to advise me on changes that could benefit me. I'm grateful for the individual attention shown by Morgan and Lee. Highly Recommended !
Kenny A.
Lee and Morgan are great at what they do for me as costumer. Best Insurance rates in Rhode Island.
Marvin A.
Recently bought a place in Narragansett. Our realtor recommended Capalbo Insurance Agency. Morgan could not have been more helpful. Responded quickly to emails, courteous service, and found a great policy. We would highly recommend this agency for your insurance needs.
Maureen M.
I would like to send a special THANK YOU from the bottom of my heart and from all Edgewood Eagle Cheerleaders for helping us making it possible today for three girls that were not able to go to National Competition in Orlando Florida to compete for the National title. They worked all day raising $1500.00 for these kids to go which helped 55 kids. Thank You!!! We could not have done this without them!!!! Morgan and Mrs. Capalbo THANK YOU SO MUCH FOR ALL OF YOUR HELP FROM ALL OF US AT EDGEWOOD EAGLES!!!!
Melissa B.