| Affiliated Insurance Managers offers many forms of insurance coverage — commercial, personal, specialty programs (non-profit, tennis club programs, etc.), life insurance, and bonds. Please call us at (401) 352-3000 to learn more about specific options.
You may click on the areas below for information related to learn more about home, automobile and business insurance programs available.
 Business Home / Residential Auto
Life and Health Insurance
Downtime for your business is more than an inconvenience - its lost profit. We know that our advice can make the difference between recovering from a loss and losing everything – and we care. Business insurance is really about three things: protecting your profit, your place of business and your people.
Whether you're a local family run business, a contractor, Property Manager, non-profit group, or another growing business with unique insurance requirements, Affiliated Insurance Managers has the resources and services to recognize the exact program you need. We begin by asking the right questions about your business to determine the most comprehensive solution available. We then establish how best to put all the pieces together in the most comprehensive and cost effective way.
Our associates are seasoned professionals experienced in the managing of risk, technical requirements, and regulatory aspects of commercial underwriting. Our proactive team approach will help you minimize losses and increase your bottom line. Our objective is to do more than assist after a problem has occurred – we strive to help you prevent problems before they happen.
We make it easy for you to transact business, providing insurance solutions that add significant value to your coverage while delivering extraordinary service - every time you do business with us.
Business Owner's Package - Combination of property and liability coverage with features included to make the policy very broad. Allows premium discounts and special payment options.
Workers Compensation - Annualized coverage to protect employees while injured on the job. This is required with one or more employees in RI.
Inland Marine - From jewelry, watches, or furs to cranes, equipment and special items, we have many companies that work to handle unusual or difficult items.
Auto Insurance - Liability and physical damage coverage for your company automobiles.
Umbrella Insurance - An additional layer of liability insurance over and above the liability limits of your policies.
Flood Insurance - The overflow of inland or tidal waters. The unusual and rapid accumulation or runoff of surface waters from any source. (Rising Waters)
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Types of Coverage
Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Each package protects against a specified number of perils. Perils are events that cause damage to property. Three examples are fire, windstorm and theft.
An insurance form is another name for an insurance policy, and it specifies what perils your home and belongings are insured against. The following are descriptions of the various insurance forms available for homeowners, renters and condominium owners.
Homeowners policies may be written on an "open perils" basis or "named peril" basis. The "open perils" basis provides coverage to your dwelling for direct physical damage unless excluded by the policy. The specifically "named peril" basis states the peril that must first occur before the policy will respond.
Specific policies are available for homeowners, renters, condominium owners and manufactured homeowners.
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Types of Coverage
Liability
Your liability coverage will pay for bodily injury and property damage for which any covered individual becomes legally responsible. The Personal Automobile Policy will cover you or any family member while using any automobile or trailer, and any person using your covered automobile with permission. The policy will pay up to the limits listed in your policy.
Collision
Collision means physical damage to your covered vehicle caused by an impact with another vehicle or object. This coverage pays the lesser of the cost of repair or Actual Cash Value (ACV) of your automobile.
Other than Collision (comprehensive)
This coverage pays the cost of repair or ACV of your automobile less any deductible. Losses caused by the following are considered comprehensive claims:
- Missiles or falling objects;
- Fire;
- Theft or larceny;
- Explosive or earthquake;
- Windstorm;
- Hail, water or flood;
- Malicious mischief or vandalism;
- Riot or civil commotion;
- Contact with a bird or animal; or
- Breakage of glass.
Medical Payments Coverage
This coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident. Individuals covered under this coverage include:
- You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or
- Any other person while occupying your covered automobile or any vehicle (private passenger automobile or trailer licensed for road use) driven by you or a family member.
The policy will pay up to the limits listed in your policy for each individual injured.
The medical payments coverage will not provide coverage for any expenses if the injuries occur while occupying a motorized vehicle with less than four wheels.
Uninsured Motorists (UM) Coverage Your Uninsured Motorist Coverage will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage.
Underinsured Motorists (UIM) Coverage This coverage will provide protection when an underinsured driver, who is at-fault, causes injury to a covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits, and not enough to cover the losses of the people the underinsured driver injures in an at-fault accident. UIM coverage
does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver's Liability limits and your UIM limits.
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Health Insurance
Insurance to pay your costs for medical care. Through a wide variety of leading carriers, we cover individuals, families and groups with many deductible, prescription and co-pay options. Special plans for short-term needs, dental coverage and eye care are also available.
Life Insurance
Help ensure that premature death won’t cause a financial burden for loved ones. Permanent and term programs available, specifically designed for your needs.
Long Term Care Insurance
Diverse coverage to provide the care you want at home or in a professional facility. Personalized plans to assure financial independence and quality care without depleting assets or burdening family.
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