How much does Catering Service insurance cost in Warwick, Rhode Island?

The estimated annual cost for a Catering Service in Warwick with one employee is between $1114 and $1638. The state base rate is $1020.

What insurance is required for a Catering Service in Rhode Island?

In Rhode Island, businesses are subject to a 7.0% insurance tax. Catering Services typically need General Liability due to a risk factor of 1.2.

Catering Service Insurance Cost in Warwick, Rhode Island (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1114-$1638

Estimated Annual Premium

Monthly Average Breakdown

$109 / mo

Includes General Liability

Industry Risk Profile

Caterers face risks related to transporting food, equipment damage, and serving food at third-party venues.

Risk Factor1.2x

Location Factors

State Base Rate$1020
Warwick Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Warwick?

While Rhode Island law may not mandate it for all businesses, Catering Services often need proof of insurance to bid on local commercial projects in Warwick.

Why is the rate different here?

Your premium reflects Rhode Island's specific base rate of $1020 and a local city multiplier of 1x.

Compare Catering Service Insurance in Other Rhode Island Cities

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How much does Catering Service Insurance cost in Warwick?