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Focused on What Matters Most

For over 30 years, Beacon Mutual has proudly served as the leading provider of workers’ compensation insurance in Rhode Island. Our commitment to protecting the state’s most valuable asset, our workers, remains unwavering. Now, expanding our reach, we also cover businesses based in Massachusetts and Connecticut.

At Beacon Mutual, no one works harder to prevent workplace accidents and facilitate the swift return of injured employees to work with compassion and care. Our dedicated team includes the largest assembly of local ergonomic and safety professionals focused on creating safer workplaces. Additionally, we boast an exceptional team of claim representatives, nurses, and case managers to assist Southern New England employers and their injured workers.

Headquartered in Warwick, RI, we understand the unique needs of local businesses, and we’re ready to protect your employees in Southern New England.  Trust us as your reliable partner in providing comprehensive workers’ compensation coverage and fostering a safer work environment.

Our Vision | Our Values

Empowering businesses to succeed by caring for the safety, well-being, and security of their employees.

Commit
to Care

Embrace
Inclusion

Explore
Possible

Do The
Right Thing

Be
Remarkable

Impact Our
Community

Our History

Before Beacon

In the 80’s, the RI workers’ compensation system was out of balance. Businesses were leaving the state because the cost of workers’ comp insurance was too high.

1990

The State of Rhode Island chartered the Workers’ Compensation Insurance Fund to improve the workers’ comp system and market.

1991

The Workers’ Compensation Insurance Fund hired its first employee.

1992

The Fund was renamed The Beacon Mutual Insurance Company and Beacon’s first policy was written. Beacon became a mutual company, owned by its policyholders.

1996

Beacon’s presence and operations stabilized the Rhode Island workers’ compensation insurance market and system.

1997

Beacon started providing ergonomic assessments  and defensive driving training to help prevent workplace injuries.

2000

Beacon moved to it’s new building at One Beacon Centre in Warwick.

2003

Beacon launched Online University providing access to safety training anytime, anyplace, any pace.

2009

Beacon launched BEACONNECT, the secure online portal for policyholders and agents.

2018

Beacon launched the new beaconmutual.com for policyholders, employees and agents.

2020

The Beacon Foundation was created as a charitable fund to support local nonprofits in Rhode Island.

2022

Beacon launched the BeaQuick Quote instant application to connect businesses with agents in minutes!

2024

Beacon provides coverage to Rhode Island, Massachusetts, and Connecticut employers.

2025

Beacon unveils new logo inspired by the Fresnel lens, highlighting our focus on what matters most.

IN THE WORDS OF OUR EMPLOYEES

When I think of Beacon Mutual, I think of all of the lives we have impacted in such positive ways. I could not be more proud of who we are as a company and employer, what we stand for, and how we will continue to make a positive difference (for so many) going forward!

Susan Lemos Beacon Mutual - Claims Department