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Capalbo Insurance Group, LLC

49 S County Commons Way F-3F
South Kingstown, RI 02879

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Types of commercial insurance most businesses can benefit from

If you own a business, you already know how risky owning a business is. At Capalbo Insurance Group LLC in South Kingstown, RI, we are an independent insurance agency and can offer more choices since we don’t represent just one insurance carrier. We work for and with our customers to make sure that they have the right coverage. 

Types of commercial insurance 

Commercial property insurance

Commercial property insurance covers the physical location where your business is located if you own it, and it also includes the contents of the business with all the things you require to do business. The list of included things will be different for each business depending on what you actually do. For a store, it is inventory, cash register, display units, etc. For a manufacturing business, it is machinery, raw materials, office equipment, finished products, etc. With this insurance, you will be able to replace what was lost and get back into business. 

Commercial liability insurance

Businesses are vulnerable to getting sued. It is an all too frequent occurrence. Your business can be sued by a customer, an employee, or a vendor. If you lose the judgment the cost of paying it along with the legal costs could sink your business if you don’t have commercial liability insurance. 

Commercial auto insurance

If your business owns a vehicle, commercial auto insurance will protect it and you. Personal auto insurance will not cover your auto for business use. This could end up costing you enough to kill your business. 

Workers Compensation

All employers with 1 or more employees are required by law in Rhode Island to have workers compensation insurance. It is good for employees and employers. 

Consult With Us

When you need to discuss your commercial insurance coverage, you can call us at Capalbo Insurance Group LLC in South Kingstown, RI. 

Three Questions to Ask Before Choosing a Home Insurance Provider

Buying a home? Congratulations! One of the most important decisions you’ll make during the home purchasing process is choosing a provider for your homeowner’s insurance policy. At Capalbo Insurance Agency LLC in South Kingstown, RI, we’re here to provide you with the information you need to choose the right homeowner’s insurance provider for your needs. 

Three Questions to Ask Before Choosing a Home Insurance Provider

1. How quickly are you able to turn around claims?

In the event that you need to make a claim with your homeowner’s insurance company, you’ll want to know that you’re able to get the resources you need to repair your home. Choosing a home insurance company that can turn claims around quickly can help you rest assured that you won’t be left hanging in the event that you need to make a claim. 

2. Do you offer claim services around the clock?

Emergencies are rarely convenient, and you want to know that you’re able to contact your homeowner’s insurance company right away. Be sure to ask the companies you’re considering what process you’ll need to follow to make a claim.

3. Do you inspect the property before offering an insurance policy?

You’ll want to look for a company that does its due diligence, providing you with premiums based on your property. When your insurance company inspects your home prior to offering a policy, you’ll know that they pay attention to the details that matter. 

Searching for a home insurance provider? We can help!

At Capalbo Insurance Agency LLC in South Kingstown, RI, we’re here to answer all of your questions about how we can help you rest assured that your home is protected. Reach out to us today to learn more. 

Defensive Driving Techniques That Can Help You Avoid Accidents

Here at Capalbo Insurance Group LLC, providing residents in the greater South Kingstown, RI area with auto insurance, we are committed to helping drivers stay safe when they are driving. One of the best ways to decrease your chances of being involved in an automobile accident is to drive defensively.

Here are a few defensive driving techniques that you can use to help you avoid accidents:

Be Aware Of Your Surroundings

One of the best defensive driving techniques is to always be aware of your surroundings. This involves paying attention to what is not only in front of you but what is surrounding you as well. By paying attention to your surroundings, you can spot hazards and hazardous drivers.

Always Ensure Your Speed is Safe For the Conditions

Another defensive driving tip that can help you to avoid accidents is to ensure you are always driving at a safe speed for the road and driving conditions. Speeding leads to accidents.

Have an Escape Route in Your Head

Lastly, as you are driving, always have an escape route in your mind. If the big rig next to you tries to change lanes, where will you go? Thinking ahead and thinking about escape routes is one of the best ways to avoid accidents.

Reach Out To Us

Defensive driving techniques are the most effective way to minimize your chances of being involved in an automobile accident. By being aware of your surroundings, ensuring your speed is safe for the conditions, and having an escape in your head, you can drive safely.

It is important to point out though, that some accidents are simply unavoidable, and that is why it is important to have the right auto insurance for your needs. If you are looking to purchase a new auto insurance policy in the South Kingstown, RI metroplex, Capalbo Insurance Group LLC would love to assist you. Call us today to learn more.

Do I Need Commercial Insurance For My Home Business?

At Capalbo Insurance Group LLC, we understand the unique challenges that South Kingstown, RI home business owners face. Many of them wonder if they need commercial insurance to protect their livelihoods.

Defining a Home Business

First, let’s define what constitutes a home business. Any business that operates out of a home, such as running a daycare, using a retail shop, or offering professional services such as consulting, falls under the home business category.

Home Insurance vs. Commercial Insurance

Most home insurance policies do not cover home businesses and their assets. If you own a home business, you should consider specific commercial insurance policies designed to cover a business’s unique needs, risks, and liabilities.

Types of Commercial Insurance for Home Businesses

Depending on your business’s needs and size, several types of commercial insurance are available for home businesses. Professional liability insurance covers lawsuits related to negligence, errors, or omissions, and worker’s compensation covers employee injuries. A Business Owners Policy (BOP) provides comprehensive protection for small businesses in South Kingstown RI, covering liability, property damage, and business interruptions.

Benefits of Commercial Insurance for Home Businesses

A commercial insurance policy for your South Kingstown, RI home business shows your clients and customers that you are a reputable and responsible business owner. It also provides financial protection and peace of mind should anything unexpected occur, such as accidents, natural disasters, or lawsuits.

Consulting with an Insurance Agent

When protecting your home business, the best course of action is to consult an experienced insurance agent who can help you determine the suitable types and amounts of coverage for your specific business. At Capalbo Insurance Group LLC, we provide insurance solutions tailored to your individual needs and budget.

Things home insurance won’t cover

When you choose your home insurance, you probably feel invincible. Nothing can happen to your home that you aren’t prepared for. This is not totally correct; like most insurance, home insurance has exclusions, things that it doesn’t cover. At Capalbo Insurance Group LLC in South Kingston, RI we try to make sure that all of our customers understand what their home insurance covers and what it doesn’t.

Home Insurance Exclusions

Earth movement

Earth movement covers a variety of different events including but not limited to earthquakes, sinkholes, mudslides, landslides, and subsidence. All of these can cause catastrophic damage to your home. If you live in an area where any of these is a possibility, it is important to consider adding this coverage in the form of a rider or an additional policy to make sure you are protected.


Floods that come from groundwater or are not covered under a traditional home policy. If your home is flooded by a broken pipe, this is covered. Floods are very damaging, and every year more and more places flood due to rising water levels. Flood insurance is sold by the federal government through insurance agents. If there is any potential for your home to be damaged by flooding, you should get this important coverage. It doesn’t take much water to cause a lot of damage.

Owner neglect

As a homeowner, it is your responsibility to maintain the condition of your home. This means that you need to make sure that termites aren’t destroying your home, that mice are not infecting it, and that your roof gets replaced before it allows your interior to be damaged. Your insurance company can require you to do the necessary repairs if they discover that you are not maintaining your home.

We Can Help!

Contact Capalbo Insurance Group LLC in South Kingston, RI to discuss your home insurance needs.

Can adult children remain on their parents’ auto policy?

If you live in or near South Kingstown, RI, you may be wondering whether or not your adult children can stay on your auto insurance policy. As more adult children move back home, it becomes a question many people have. At Capalbo Insurance Group LLC, our team can answer that question and many others. We are an independent agency and can offer more choices than a captive agency.

Can adult children remain on their parents’ auto policy?

With more and more adult children opting to return to the nest, many parents are asking questions about having their adult children on their auto insurance. The answer is yes; as long as their permanent address is your home, they can be listed on your auto insurance policy. When it gets a little tricky is when your kids become young adults and move off to college.

You want them to be able to stay on your policy because, for the most part, you can afford better protection than they can and they may be using your vehicle. The key to making this work is to make sure that, even though they live away from home, they don’t change their permanent address. Many college kids do come home to chill during the summer and, so that isn’t a stretch, they still live part of the year at home.

Life has gotten even more complicated with the number of parents who are moving in with their adult children. It has really become a family affair. Be sure to list all the drivers who use your vehicles on a regular basis on the policy, and that should allow you to be one big happy auto insurance family.

Contact Us Today

Give Capalbo Insurance Group LLC in South Kingston, RI a call or stop by our office for a no-obligation quote.

What does commercial insurance cover?

Did you know that most businesses are not adequately insured? In fact, a lot of business owners don’t even realize they need commercial insurance until it’s too late. That’s where we come in.

There are a lot of things that commercial insurance can cover, but some of the most important ones include liability insurance, property damage, and workers’ compensation. Capalbo Insurance Group LLC can help you get the right coverage for your South Kingstown, RI business so you can rest assured knowing that you and your employees are protected in case of an emergency.

Commercial Insurance Coverages

Liability insurance

Liability insurance is one of the most important types of coverage that businesses should have. It can help protect you in case someone gets injured on your property or if you are sued for damages. Capalbo Insurance Agency LLC can help you get the right liability insurance for your business so you can rest assured knowing that you are protected in case of an accident.

Workers’ compensation

Workers’ compensation is another important type of coverage that businesses should have. It can help protect employees in case they are injured on the job. Capalbo Insurance Agency LLC can help you get the right workers’ compensation insurance for your business so you can rest assured knowing that your employees are protected in case they get hurt.

Give Us A Call

No one can predict when an emergency will happen, but with the right commercial insurance coverage, you and your employees will be protected in case something does happen. Contact Capalbo Insurance Group LLC today to get a free quote. We proudly serve the South Kingstown, RI area.

How to prepare your house for a storm

At Capalbo Insurance Group LLC, serving the greater South Kingstown, RI region, we provide home insurance to residents in Rhodes Island. We also want to provide tips to help protect your home. When a storm is headed your way, it’s important to take precautions.

Here are a few tips to help you protect your home before a storm:

1. Trim trees and shrubs so they don’t damage the roof or windows during a storm.

2. Make sure your roof is in good condition and that the shingles are secure – a strong storm could easily blow them off.

3. Check your windows and doors to ensure they are sealed properly and won’t let in any water. You may also want to cover them with plywood, depending on the intensity of the storm.

4. If you have a generator, make sure it’s in working order and has enough fuel to last through the storm in case power goes out.

5. If you have a backyard pool, make sure to cover it to prevent any storm damage or foreign objects from flying into it.

6. Put all your important belongings and documents in a safe place, such as a waterproof storage container or fireproof safe.

7. Charge your mobile devices so that you’ll be able to stay connected even if the power goes out.

8. Stock up on enough food and water for at least three days in case you are unable to leave your home for a while.

9. Fill up some jugs with fresh water. You can also fill the bathtub up if needed.

Get The Right Coverage For Your Home

Preparing for a storm is an important step in keeping your home and belongings safe. By following these simple tips, you can help minimize the potential damage and keep yourself and your family safe during severe weather. For more insurance advice, call Capalbo Insurance Group LLC today. We proudly serve the South Kingstown, RI area.

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