Rhode Island
Rhode Island Licensed. New York Values. Real Independent Coverage.
We're an independent insurance broker licensed in Rhode Island — bringing the same carrier access, bilingual service, and relationship-first approach that our New York clients have counted on since 2006.
An Independent Broker Who Knows What Rhode Island Clients Actually Need
When you work with an independent broker, you're not locked into one carrier's options. At Mendoza Agency, we shop across multiple carriers to find coverage that fits your situation — whether you're insuring your car, your home, your rental property, or your business. Rhode Island clients get the same access to our full carrier network and the same hands-on service as our clients in New York and across all 10 states we serve.
We've been doing this since 2006. We became fully independent in 2020, which means our recommendations are driven by what's right for you — not by quotas or carrier agreements.
Personal and Commercial Insurance for Rhode Island Residents and Business Owners
Whether you're a Providence-area homeowner, a contractor working across state lines, or a small business owner looking for the right commercial policy, we have the coverage to match. Our Rhode Island clients can access:
- Auto Insurance — personal and commercial vehicle coverage
- Homeowners Insurance — for owned homes across RI
- Renters Insurance — affordable protection for tenants
- Landlord Insurance — for single-unit and small portfolio rental properties
- Life Insurance — term and permanent options for individuals and families
- General Liability Insurance — essential protection for contractors and service businesses
- Business Owners Policy (BOP) — bundled property and liability for small businesses
- Workers Compensation — required coverage for RI employers
- Commercial Auto Insurance — for business vehicles and fleets
- Commercial Property Insurance — protecting your physical business assets
- Professional Liability Insurance — for service providers and consultants
Bilingual Service for Rhode Island's Hispanic Community
Rhode Island's Providence metro area is home to one of the most vibrant Hispanic communities in New England. At Mendoza Agency, we've built our entire practice around serving diverse, bilingual clients — in English and in Spanish, with patience and without shortcuts. As a Hispanic-owned, women-run agency, we understand the questions our community members bring to the table, and we answer them clearly.
If you've ever felt like an insurance conversation moved too fast, or like the policy you signed wasn't fully explained, that changes here. We walk you through your options, your coverage limits, and your costs — in whichever language you prefer.
Why Rhode Island Clients Choose Mendoza Over a Local Captive Agent
A captive agent represents one carrier. We represent you. That distinction matters when rates change, when a claim gets complicated, or when your needs evolve and your current policy no longer fits.
Here's what working with Mendoza Agency means for Rhode Island clients:
- 18+ years of independent agency experience
- Broad carrier access across personal and commercial lines
- Bilingual service in English and Spanish
- Licensed in 10 states — including Rhode Island — with consistent service across all markets
- A team of nine agents who treat every client like a neighbor, not a policy number
- A
community referral program that gives back with every client you send our way
Frequently Asked Questions — Insurance Agency Rhode Island
Is Mendoza Agency licensed to sell insurance in Rhode Island?
Yes. We are fully licensed in Rhode Island and can write personal and commercial insurance policies for RI residents and businesses. Our remote service model means you get the same attentive, relationship-based experience as our clients in New York and across all 10 states we serve.
Can I get a quote for small business insurance in Rhode Island?
Absolutely — small business insurance in RI is one of the services we provide through our commercial lines. Whether you need general liability, a business owners policy, workers compensation, or commercial auto coverage, we'll compare options across our carrier network and walk you through the right fit for your business.
Do you offer bilingual insurance services in Rhode Island?
We do. Our entire team is equipped to serve clients in English and Spanish. If you'd prefer to discuss your coverage options in Spanish, just let us know when you reach out — we'll make sure you're paired with an agent who can help you fully.
What makes an independent broker different from going directly to an insurance company?
When you go directly to an insurance company, you see only that company's rates and products. As an independent broker, we work with multiple carriers and can compare options on your behalf. That means more choices, better pricing potential, and coverage recommendations that aren't tied to any one carrier's interests.
Ready to Get Covered in Rhode Island?
Getting started is straightforward. Tell us a little about what you need — whether it's
personal coverage for your home and vehicle or commercial protection for your business — and we'll put together options that make sense for your situation. Our team is here, responsive, and ready to help.