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.

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.

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.

The Beacon will accept applications filed on the standard Acord application. It is critical that all information is included on the application in order to bind coverage. A cover letter explaining the account, along with prior loss history (loss run information) is also desired. Incomplete applications or submissions will be returned if information is not received within 7 days of submission.

All Loss Prevention and Claims services are provided free of charge with the policy. Please contact our Loss Prevention or Claims departments for assistance.

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