Anchor
Insurance

Anchored in RI. Powered by Hospitality.

Business Insurance Program for
RI Hospitality

Anchor Insurance is Hospitality-focused insurance with a mission. Anchor Insurance has been created to protect the Hospitality Businesses in Rhode Island. As our industry continues to evolve and thrive, we remain committed to providing a strong foundation. One that provides the necessary resources to support our industry leaders every step of the way. Each policy protects your business and powers advocacy and education for Rhode Island’s hospitality industry, because your success anchors our purpose.

Why Anchor Insurance?

No-obligation policy review
Maximize your potential with our Shared Earnings Plan
[(Exclusively for qualifying businesses).
Competitive rates tailored for hospitality businesses
Local experts who understand your unique risks
A portion of every policy fuels Hospitality industry advocacy and workforce education

What We Cover

General Liability
Workers' Compensation
Property & Equipment
Liquor Liability
Cyber Liability
Commercial Auto
Umbrella & Specialty Hospitality Risks

General Liability

Protects your business from third-party claims involving bodily injury, property damage, or personal injury that occur on your premises or as a result of your operations.

Workers’ Compensation

Covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill due to job-related activities. It also protects employers from legal liability in such cases.

Property & Equipment

Provides coverage for physical assets such as buildings, furniture, fixtures, and equipment against risks like fire, theft, vandalism, or natural disasters.

Liquor Liability

Essential for businesses that sell or serve alcohol. It protects against claims arising from damages or injuries caused by intoxicated patrons, including legal costs and settlements.

Cyber Liability

Covers financial losses related to data breaches, cyberattacks, or other digital threats. This includes legal fees, customer notification, and credit monitoring services.

Commercial Auto

Covers vehicles used for business purposes, including liability and physical damage protection. This applies to company-owned vehicles as well as employee use of personal vehicles for work.

Umbrella & Specialty Hospitality Risks

Provides an extra layer of liability coverage beyond standard policies. Especially valuable for the hospitality industry, it can address unique exposures such as high guest volume, events, or specialized services not covered under standard policies.

Business Interruption Insurance

Covers lost income and operating expenses if your business is forced to close temporarily due to a covered event (like a fire or natural disaster). This ensures you can continue paying rent, payroll, and other ongoing costs during downtime.