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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.
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• Business Owner Packages
(BOP)
• Contractor Packages
• Business Auto
• Boiler & Machinery
• Bonds (All Types)
• Director's & Officer's Liability
• Employment Practices Liablility
• General Liability
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• Liquor Liability
• Professional / Malpractice
Liability
• Property (Including Business
Interruption)
• Umbrella (Excess Liability)
• Workers Compensation
• Builder's Risk
• Contractor's Equipment & Tools
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We Have Experience with Many Businesses
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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:
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• General Contractors & Artisans
• Retail Stores (all types)
• Wholesalers
• Franchise Operations
• Day Care Facilities
• Manufacturing
• Office Operations (lawyers,
realtors, accountants, doctors)
• Auto Body Shops / Auto Repair Shops
• Restaurants
• Non-Profit Groups (Social
Services, YMCA, Churches, etc)
• Indoor Sports Facilities (Soccer / Tennis)
• Youth Sports Organizations
• Theater Groups
• One Day Event Liability
• Property Management Companies
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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 rental homes.
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