RI Workers' Compensation Experts

Provide hope for tomorrow – certainty for today.

Our mission is to be the workers’ compensation insurer of choice in Rhode Island by providing the most innovative programs, competitive products, and outstanding service to businesses and their employees.

Headquartered in Warwick, our team at Beacon cares about Rhode Islanders, because we are Rhode Islanders. While large insurance carriers operate from hundreds of miles away, Beacon’s experts are never far from the policyholders we serve.

Beacon has the largest team of local ergonomic and safety professionals dedicated to creating safer workplaces, and an exceptional team of claim representatives, nurses case managers, and ergonomists to assist Rhode Island employers and their injured workers. No one works harder to prevent workplace accidents, and get injured employees back to work with compassion and care.

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!

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