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Most businesses have a lawyer and a CPA, but they often overlook a key member of their financial team... the insurance agent! Whether you're a new business, been in business 100 years, a one-man shop or a large corporation, Esten & Richard can provide insurance protection for ALL your needs.

We maintain a wide range of insurance products and carriers to reduce your business insurance worries.
• Boiler & Machinery
• Bonds (All Types)
• Builder's Risk
• Business Auto
• Business Owner Packages (BOP)
• Contractor Packages
• Contractor's Equipment & Tools
• Director's & Officer's Liability
• Employment Practices Liablility
• General Liability
• Liquor Liability
• Professional / Malpractice
  Liability
• Property (Including Business
  Interruption)
• Umbrella (Excess Liability)
• Workers Compensation
We Have Experience with Many Businesses
Our goal is to improve coverage by reviewing & analyzing each of our clients individual business needs while maintaining competitive pricing. Our years of experience have provided us with insight into the insurance needs of many different types of businesses. Some of the types of clients we deal with are:

• Apartments Buildings
• Condominiums Associations
  (Residential & Commercial)
• General Contractors & Artisans
• Retail Stores (all types)
• Convenience Food Stores
  (With or Without Gasoline Sales)
• Dry Cleaning & Laundry
• Wholesalers
• Day Care Facilities
• Golf Courses
• Museums
• Religious Institutions
• Manufacturing
• Office Operations (lawyers,
   realtors, accountants, doctors)
• Auto Body Shops / Auto Repair Shops
• Restaurants (All Types)
• Non-Profit Groups (Social
   Services, YMCA, Churches, etc)
• Indoor Sports Facilities (Soccer / Tennis)
• Youth Sports Organizations
• One Day Event Liability
• Special Events
• Towing Service
• Property Management Companies
Insurance for Property Owners
Esten & Richard Agency is one of Northern Rhode Island's largest insurance agents of apartment buildings and condominium complexes. We also insure 1 to 4 family dwellings.
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342 Park Avenue / PO Box 639 - Woonsocket, RI 02895
Phone (401) 766-4200 - Fax (401) 762-4210 - frank@estenandrichard.com
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