<h1>Workers’ Compensation Insurance</h1>

OceanPoint Insurance, an RI insurance agency, offers workers compensation insurance from the top insurance carriers; and a range of financial services.

Why Create an Employee Safety Committee?

Employee Safety committees provide a forum for employees and management to work cooperatively to solve health and safety issues together.

Safety committees can:

  • Help prevent injury and illnesses on the job.
  • Increase awareness of health and safety issues among workers, supervisors, and managers.
  • Develop a culture of safety to make the work environment safe and healthy.

How Do We Get Started?

  • Download the Beacon Mutual Safety Committee Guide; it includes helpful checklists, sample agendas, worksheets, and more.
  • Contact the Beacon Loss Prevention department for more information.

Workers Compensation

Back Injuries | Workers Compensation RI

A back injury is debilitating and can cause employees to be out of work for extended periods of time. In 2016, there were 154,180 back (including spine, spinal cord) injuries in the workplace according to the Bureau of Labor Statistics.

However, back injuries are avoidable. The following list provides simple ideas on how to ensure the ‘back safety’ of your employees:

1. Be sure that containers and boxes are readily accessible to employees. Angled shelving can make stored items more accessible. The more accessible, the less likely that an injury from stretching or bending will occur.

2. Frequently accessed items should be kept near the workspace. This simple organizational strategy will minimize the risk of back injury by reducing the need to move about unnecessarily.

3. Be sure to label optimal storage heights. This way all items are returned and stored at the appropriate height. Workers may not be aware of the ideal ergonomic storage heights; this will help manage the process.

4. Avoid storing frequently used, heavy items, on the lower shelves because bending over to retrieve these can easily cause injury to the back. If you must use the lower shelves, place lightweight, infrequently used, objects there.

5. Encourage workers who undertake heavy lifting tasks to take regular breaks and listen to what their body is telling them. If they feel any pain or strain, they should immediately stop to avoid an injury and report to a supervisor.

6. Use mobility assistance tools that make moving heavy items and fluids easier such as pumps, siphons, lifts, conveyor belts, rollers, turntables etc. These tools will ease the workload while minimizing the risk of a back injury.

7. Train employees on the proper form to handle heavy boxes and objects. Knowing how to lift bulky items is critical to maintaining a healthy back.

8. Hire an Ergonomist to evaluate the workplace environment to minimize the opportunity for a workplace injury.

At OceanPoint Insurance, we aim to educate our clients on topics that will help their businesses thrive. The health and well-being of employees is one way to help your business grow. We offer a variety of workers’ compensation plans that will meet your needs and your budget.

Contact our team today! to speak with an agent about your goals.




Seasonable spring weather has finally arrived and with that comes the desire to schedule those much-needed repairs and home improvements. Homeowners recognize and appreciate the importance of having a skilled, experienced contractor perform work on their home. Reputable contractors, in turn, understand that the best way to safeguard their livelihood is through a comprehensive contractor’s insurance policy through OceanPoint.

Whether applying a fresh coat of paint to a home’s exterior, or adding a new sunroom, successful contractors know that using the best materials ensures a positive job completion. Just as important is making sure that the job is insured against personal injury, mishap or financial loss. In addition to facing the risk of accident or injury with each job, contractors are also held to strict standards by their customers.

OceanPoint understands the unique needs of contractors and offers a variety of options to help secure their business. Contractor general liability insurance provides protection from a variety of potentially expensive circumstances, including liability claims and lawsuits. Additionally, the safety and security of those on the job site, as well as the structures being built, must also be considered within the policy.

Coverage options include:

  • General Liability Insurance is a fundamental component of contractors insurance. If you find yourself on the unfortunate side of a lawsuit or other financially pressing issue, general liability will provide the protection you need.
  • Workers’ Compensation is essential for covering costs such as medical expenses acquired by an injured person due to an accident on the job, or for lost wages for an employee who falls ill or injured.

OceanPoint Insurance has been providing contractors with a higher-level of insurance protection for generations. Our agents possess the knowledge and experience to design a customized insurance package for your specific needs and budget.

Call us today at (401) 847-5200 to speak to one of our trusted, local agents.




I am pleased to announce, on May 29, 2013, BankNewport will be awarded the “Exemplary” category award for the 2nd year in a row, by Blue Cross Blue Shield of Rhode Island and The Greater Providence Chamber of Commerce. The 19th Annual Worksite Health Awards ceremony held at the Crowne Plaza in Warwick. This is the highest level of Worksite Health Award given to an organization.

The Worksite Health Awards is co-sponsored by the Greater Providence Chamber of Commerce and Blue Cross & Blue Shield of Rhode Island (BCBSRI) is designed to recognize those Rhode Island businesses that are working to promote worksite wellness. The awards honor businesses that support prevention through written materials, seminars, lectures, and a demonstrated commitment to education through committee development and policy change. Four award levels are acknowledged: Achievement, Outstanding, Superior, and Exemplary.

Thank you for helping to make BankNewport and OceanPoint Insurance Agency a healthy place to work!



Carolyn Odell
HR Generalist