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Rhode Island Crime Insurance Guide

Rhode Island applies UCC Article 4A rules to covered funds transfers; the security procedure in your bank agreement can affect whether an unauthorized payment order binds your account. Compare that rule with your crime policy’s funds-transfer and social-engineering coverage, and preserve records for prompt bank and law-enforcement notice. The computer-crime statute cited here is Rhode Island General Laws § 11-52-4 (Computer theft); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. The computer-crime statute cited here is Rhode Island General Laws § 11-52-4 (Computer theft); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. 1,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in Rhode Island

  • Review the Bank Security Procedure

    Rhode Island law uses §§ 6A-4A-202 and 6A-4A-204, security procedure and unauthorized-payment refund. Ask your bank which call-back, token, dual-approval, or other verification steps apply to payment orders, and ask the agent whether the policy responds if a transfer follows a compromised account or spoofed instruction. Confirm the controlling sections with your banker: §§ 6A-4A-202 and 6A-4A-204, security procedure and unauthorized-payment refund. Confirm the controlling sections with your banker: §§ 6A-4A-202 and 6A-4A-204, security procedure and unauthorized-payment refund. 1

  • Match Computer Crime to Policy Triggers

    Rhode Island separately criminalizes conduct under R.I. Gen. Laws § 11-52-4. A criminal statute does not determine whether an insurer must pay your business, so ask the agent to distinguish unauthorized computer access, employee theft, fraudulent instructions, and funds-transfer fraud in the policy definitions and exclusions. The cited state provision is Computer theft; ask the underwriter to identify the matching insured loss trigger. The cited state provision is Computer theft; ask the underwriter to identify the matching insured loss trigger. 2

  • Keep a State Reporting Route Ready

    Consumer protection complaint information If a payment scam also affects a customer or vendor, save the instructions, emails, bank notices, and law-enforcement report, then use the Rhode Island Attorney General’s consumer-fraud route when the matter fits its remit; this complaint process does not replace prompt notice to your bank or insurer. The state's intake page is Consumer Complaints at https://riag.ri.gov/consumerprotection/consumer-complaints; keep its submission separate from notice to the bank and carrier. The state's intake page is Consumer Complaints at https://riag.ri.gov/consumerprotection/consumer-complaints; keep its submission separate from notice to the bank and carrier. 3

Who Regulates Insurance in Rhode Island

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Rhode Island. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 14

Questions to Ask Before You Buy in Rhode Island

  1. Which Rhode Island Article 4A security procedure does my bank apply to wire transfers, and could that agreement make me responsible for an order I did not intend?
  2. Does this policy cover a loss caused by computer access prohibited by R.I. Gen. Laws § 11-52-4, including access through a vendor or employee account?
  3. Are social-engineering payment instructions, fraudulent wire transfers, employee theft, and computer fraud separate insuring agreements or sublimits?
  4. If the incident affects a customer or vendor, which Rhode Island Attorney General or law-enforcement reporting channel should I use, and what documents should I retain?

Crime in Rhode Island: FAQ

Who pays for an unauthorized wire transfer in Rhode Island? 1

It depends. §§ 6A-4A-202 and 6A-4A-204, security procedure and unauthorized-payment refund governs relevant payment-order questions, including when a commercially reasonable security procedure can make an order effective and what notice duties apply. Ask your bank and agent how the account agreement and crime policy address the same transfer. 1

Where can I report a payment scam in Rhode Island? 3

The Rhode Island Attorney General provides consumer complaints information for consumer fraud matters. A business should also notify its bank, insurer, and law enforcement promptly and retain transaction records. The filing page is Consumer Complaints at https://riag.ri.gov/consumerprotection/consumer-complaints. The filing page is Consumer Complaints at https://riag.ri.gov/consumerprotection/consumer-complaints. 3

Crime in Other States

Other Coverage in Rhode Island

Sources

  1. Rhode Island General Laws, Title 6A, Article 4A. Rhode Island General Assembly; §§ 6A-4A-202 and 6A-4A-204, security procedure and unauthorized-payment refund. Accessed 2026-09-29.
  2. Rhode Island General Laws § 11-52-4. Rhode Island General Assembly; Computer theft. Accessed 2026-09-29.
  3. Consumer Complaints. Rhode Island Attorney General; Consumer protection complaint information. Accessed 2026-09-29.
  4. rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
  5. DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
  6. DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
  7. 2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
  8. Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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