1. Will The Beacon provide a quote over the phone?

Answer:
No. Determining the correct job classifications and rates for premium calculation if not as simple as it sounds. Jobs that appear to be similar may be considered different for classification purposes. Our underwriters will review the operations carefully to make sure that the proper rates are applied. Completion of an application is necessary.

2. Are there special things to consider if a company has employees under 17 or over 60?

Answer:
Employees who are 16 or under need working papers. Under Rhode Island workers' compensation law, an employer must pay triple damages for minors employed in violation of the law.

There may be a need for specialized loss-prevention techniques for both groups. Job duties and safety programs may need to be specifically designed for these workers.

If Social Security is being received by the claimant, the Social Security payments can be offset by our workers' compensation payments. If Social Security benefits are being received because of retirement, workers' compensation benefits can be withheld.

3. What is the standard agency licensing procedure needed to do business with The Beacon?

Answer:
The following procedure is required:

1. Provide The Beacon with a current RI P&C license, resident or non-resident.
2. Complete and submit The Beacon Agency Application.
3. Complete and submit a W9 form.

The name and tax ID number on all of the above items must be identical, as this is how commissions will be paid and policies will be read.

4. Who is responsible for Subcontracting Arrangements?

Answer:
The principal contractor is liable for injuries to an uninsured subcontractors' employees.