Rhode Island has no tow-specific rule — its general motor-carrier-of-property rule applies: $250,000/$500,000 bodily injury or death plus $25,000 property damage, and $25,000 cargo. The statute sets no on-hook or garagekeepers minimum.
No tow-specific rule; general motor carriers of property rule applies. No on-hook or garagekeepers minimum in the statute.
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Rhode Island →Independent-contractor test: Filing/presumption system, not a statutory factor test — R.I. Gen. Laws § 28-29-17.1. A person is not considered an IC for WC unless they file a Notice of Designation (form DWC-11-IC) with the Director of Labor and Training; filing creates a presumption of IC status, but failure to file does not preclude a court finding of IC status. WC test is distinct from wage law: RI DLT's guidebook says DLT enforces the Economic Realities Test for wage/workplace misclassification, and the DWC-11-IC form itself warns it is "for Workers' Compensation only" and does not mean IC status under IRS/Division of Taxation rules.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.