Insurance for the Shops on Our Street
Three generations insuring Providence bakeries, kitchens and storefronts. We compare several carriers and speak plain.
What Does Your Lease Ask For?
Find the insurance section of your lease. Check each line that sounds like yours. You will see which policies and add ons you need, and what to send your landlord.
Section 11. Insurance
Typical wording from Rhode Island retail leases
What You Need
General information, not legal advice or a quote. Leases differ, and what a policy covers depends on its exact wording. Prices depend on the carrier and underwriting.
Words that trip people up. An Your landlord gets protection under your liability policy if someone sues them over something that happened in your space. is someone your policy also protects. A It stops your insurance company from suing your landlord to get back what it paid on your claim. keeps your insurer from going after the landlord. A A one page summary that proves your coverage. We send it to your landlord for you at no charge. is the page you send to prove it.
Same Office, Third Generation
Up one flight of stairs, above the hardware store. Clients still stop in to drop off a lease.
- 1961Sal Medeiros opens the office to insure the shops of Fox Point.
- 1994His son Joe takes over and adds restaurants and boatyards.
- 2019Joe's daughter Ana joins. Joe still reads every lease twice.
Who We Insure
Small places with real risks. Tap a photo to see it bigger.
What Shop Owners Say
My landlord rejected my certificate two days before opening. Ana fixed it and had a new one over by lunch.
Teresa C. Federal Hill
Joe insured my father's bakery and now he insures mine. They shop it around every renewal without me asking.
Paulo R. East Providence
They explained what my boatyard policy did not cover before I found out the hard way.
Mike D. Warren
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Where Our Clients Are
Mostly within twenty minutes of Fox Point, and all over Rhode Island.
- Providence
- East Providence
- Pawtucket
- Cranston
- North Providence
- Johnston
- Warwick
- Bristol
- Barrington
- Warren
Questions Owners Ask Us
What is a certificate of insurance?
It is a one page summary of your policies that proves you are covered. Landlords, clients and event venues ask for it. We send them for you, usually the same business day, at no charge.
Why use an independent agency instead of buying online?
We compare several insurance companies for you, not just one. Quotes depend on the carrier and on underwriting, so the best fit for a bakery is often not the best fit for a boatyard.
What is a business owner's policy?
A business owner's policy, or BOP, bundles general liability, property and business income into one policy. Most small shops and offices start there and add what their work needs.
My landlord says my certificate is wrong. What now?
Send us the letter or email. Usually it is a missing endorsement, like additional insured or waiver of subrogation. We check your policy and fix what can be fixed, then send a new certificate.
Do I need workers comp for part time help?
Rhode Island sets the rules, and part time workers often count. Call us with your head count and we tell you where you stand before you hire.
Bring Us Your Lease
Email it, drop it off or read it to us over the phone. Ana or Joe answers during office hours.
Fox Point Insurance is an independent agency. We compare policies from several insurance companies. Quotes and coverage depend on the carrier and on underwriting, and not every business qualifies with every carrier.
Licensed in Rhode Island and Massachusetts as a property and casualty insurance producer. License numbers shown here on the live site.