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Overview

600+Independent Insurance Agent Partners
At Beacon Mutual, we collaborate with our agents to drive revenue and deliver top-tier workers’ compensation solutions. With competitive compensation and dedicated support, we help you write new business, retain customers, and grow your agency. Beacon is the market of choice for Rhode Island, Massachusetts, and Connecticut businesses and also serves as the guaranteed workers’ compensation market for the State of Rhode Island.

Partner with Beacon Mutual

Top Quartile Agent Compensation

Competitive new business commissions and a comprehensive profit-sharing program with “pro-agent” qualification requirements.

Empowered Local Underwriters

Our underwriters have the authority and tools to make fast, competitive decisions.

Responsible and Reliable Team

Speak to real people who listen, understand your needs, and provide the right support when you need it most.

Broad Risk Appetite for Business

We write a wider range of industries than many competitors, ensuring more opportunities for your agency.

Unique Features

$2.0mShared Earnings Paid to Policyholders in 2024

Shared Earnings Rating Plans

Based on the policyholder’s final audited premium and incurred losses at 18 months after inception, when there is a developed loss ratio of 45 percent or less, the employer receives a shared earning distribution.

68%Of all Beacon Policyholders Earn a Loss-Free Credit

Loss-Free Credit Program

Beacon’s loss-free credit program provides for a premium credit up to a maximum of 10 percent. Potential savings include a 3 percent credit for 2 loss-free years; a 5 percent credit for 3 loss-free years; a 7 percent credit for 4 or 5 loss-free years, and a 10 percent credit for 6 or more loss-free years.

$35.1mPolicyholder Dividends Paid in the Last 6 Years

Policyholder Dividends

97% of all policyholders have earned a 5%-10% dividend over the last 6 years.  This dividend program is designed to reward Beacon’s best performing  policyholders based on premium size and safety results. This dividend recognizes policyholders who have contributed to Beacon Mutual’s financial strength by demonstrating safety as a priority.


Valued Services

11,000Policyholder Employees Trained Annually

Customizable Safety Programs

Beacon’s tailored solutions work seamlessly alongside your agency’s offerings to deliver the best outcomes for your clients. Beacon’s team of local ergonomic and safety professionals are dedicated to creating safer workplaces and provide critical issue seminars, on-site and online safety training.

151+Policyholders in Stay-at-Work/Return-to-Work Program

Comprehensive Claims Management

Our claims specialists, with an average of nearly 20 years of experience, provide expert guidance to ensure the best possible outcome for both businesses and injured employees. Nobody works harder to get injured employees back to work with compassion and care.

Lighthouse Award

Annually, Beacon Mutual honors agencies who exhibit performance excellence with the prestigious Lighthouse Award for Agency Excellence. Congratulations to our 2024 Lighthouse Award Winners!

Contact Your Underwriter

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Agent FAQs

Learn more about how the program works.

Agent FAQs

Beacon Mutual
Agent Application

Learn more about the agency approval process.

Agency Approval Process

BEACONNECT
Registration

Register for BEACONNECT, Beacon’s secure online portal.

Download Registration Form

More About Beacon Mutual

At Beacon, we’re not just Rhode Island’s leading provider of workers’ compensation insurance; we’re a cornerstone of support for businesses across Massachusetts, Connecticut, and beyond. Our commitment to delivering exceptional coverage and unparalleled service has fueled our growth and solidified our reputation as the market of choice for business safety.

For more help and support please read our frequently asked questions.

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