Rhode Island Department of Business Regulation: Division of Insurance Regulation #dbr, #business, #businesses, #business #regulation,


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State of Rhode Island: Department of Business Regulation

Contact Insurance

Division of Insurance Regulation: Consumers

General Information

  • Consumer Alerts
  • InsureU – a Public Education Program to Assist Consumers with Information about Insurance Issues
  • The VA’s Insurance Team – Insurance information specifically for active Servicemembers, Veterans, and their families
  • Consumer Information Source (CIS) – Information about insurance companies consumers can use BEFORE purchasing insurance
  • Access to Public Records Form
  • Office of Health Insurance Commissioner
  • Licensed and Approved Insurance Companies
  • Financial Information – Rhode Island Domestic Insurance Companies
  • For Information on Service of Process
      • Domestic Companies
      • Insurance Regulation 114 – Service of Process Upon Insurance Companies

  • Industry Alerts
  • Insurance Bulletins
  • Insurance Enforcement Actions
  • Insurance Regulations

Automobile Insurance

  • Consumers Guide to Auto Insurance
  • Uninsured Motorists:
    If you are involved in an accident with an uninsured motorist, please contact the Financial Responsibility Unit at the Division of Motor Vehicles at 401-462-5709.
  • Market of Last Resort – If you are unable to secure automobile insurance coverage through the voluntary market, please contact the RI Automobile Insurance Plan at 401-946-2600 for assistance.
  • Fraud Reporting: To report suspected automobile insurance fraud, please contact the RI Auto Theft and Fraud Unit at 401-444-1155.

Homeowners Insurance

  • Consumers Guide to Homeowners Insurance
  • Disaster Preparedness Tips and Consumer Alerts for Homeowners and Renters
  • Home Inventory Checklist
  • State of RI Emergency Management Agency (Disaster Assistance, Flood Insurance and Prepare Now!)
  • For questions on applying for federal assistance and aide contact: Federal Emergency Management Agency (FEMA)
    at 800-621-3362 or to apply for disaster assistance online at www.fema.gov
  • For questions on obtaining flood insurance, what to do before, during and/or after flooding, or to report flood claims (for property owners who purchased a flood policy) contact: National Flood Insurance Program
    (NFIP) at 800-638-6620; www.floodsmart.gov
  • United Way: 2-1-1: For Disaster or Emergency Service Information
  • Market of Last Resort – If you are unable to secure property insurance coverage through the voluntary market, please contact the RI Joint Reinsurance Association at 800-851-8978 for assistance.
  • Lead Liability – For questions on mitigation of properties in accordance with the Lead Hazard Mitigation Act, please contact the RI Housing Resource Commission at 800-570-0768 or http://www.hrc.ri.gov/index.php
  • Fraud Reporting: To report suspected arson, please contact the RI State Fire Marshall at 401-462-4200.

Long Term Care Insurance

Life Insurance and Annuities

  • Deferred Annuities Buyers Guide
  • Life Insurance Consumers Guide
  • NAIC Life Insurance Policy Locator Service – Helping connect consumers to life insurance policies they didn’t know their deceased family members had.

Medical Malpractice

  • Market of Last Resort – If you are unable to secure medical malpractice insurance coverage through the voluntary market, please contact the Medical Malpractice Joint Underwriting Association of RI at 401-369-8245 for assistance.

Workers Compensation Insurance

Health Insurance

Please also see the website of the Office of the Health Insurance Commissioner (OHIC) at
www.ohic.ri.gov


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  • Business Licenses and Permits for Retail Businesses #careers #in #retail


    #retail license

    #

    Retail Business Licenses and Permits

    Updated July 30, 2016

    Knowing what licenses and permits your retail business needs can be very confusing when planning a new business. Each item requires time, energy and paperwork (depending on the government office you re dealing with) to obtain the proper registrations.

    As unpleasant a task as it may be, don t risk your business shutting down before it fully begins. Conducting business without the proper licensing is a criminal offense in some states, while others hand out hefty fines.

    Here are some of the more common retail licenses and permits to keep your business operating legally.

    Federal Tax Id

    An Employer Identification Number (EIN ) is also known as a Federal Tax Identification Number, and is used to identify a business entity. It costs nothing to apply for an EIN, it can be registered online, and most vendors will require a tax id before conducting business with a retailer.

    Business License

    How and where you register a retailing business with the state will depend on your state s laws. To find out what is needed to obtain a business license in your state, start by visiting your state s official website. You can usually find it at www.Your State s Name.gov. Most states have resources on how to register a new business and all of the requirements that must be met.

    If you have a retail business located within the city limits, you may also be required to purchase a local business license .

    Some counties and other municipalities also require a license. Call your county or city s clerk s office for more information. The fee varies depending on the type of business and where it is located.

    Where to Find: www.Your State s Name.gov and the County or City Clerk s Office

    Resale Certificate

    In order to purchase products to resell and not pay sales tax. your business will need a resale license or certificate.

    Not all states require a sales license and each state has its own name for this type of license.

    This type of business license will allow your store to buy goods tax exempt from a manufacturer or distributor. Then you collect the sales tax from the customer and pay it back to the state. Most vendors will request a copy of your resale certificate before doing business with your company.

    Where to Find: www.Your State s Name.gov or the state s Dept. of Revenue

    Business Name Registration or DBA Certificate

    If you use any name for your retail business other than your own personal name, you ll need to file the appropriate paperwork. Some business licenses include a business name registration ; others require a separate registration or a DBA (doing business as) certificate. When you file for a corporate business structure. a foreign or fictitious name application is generally included. Again, check your state s laws for more details.

    Where to find: www.Your State s Name.gov

    Professional Licenses

    Some industry-specific retailers such as auctioneers, hair dressers, pharmacists, optometrists and other professionals may require state or local occupational licenses.

    If you re not sure you need an occupational license, check with your industry s trade association or your state s licensing department.

    Where to find: State s Dept. of Licensing

    Certificate of Occupancy

    A certificate of occupancy may be required in some areas. After applying, the property is inspected by representatives of the necessary agencies. These may include the fire department inspector, the building inspector and the health and/or sanitation inspector.

    Where to find: City and/or County Planning Dept. Health Dept. or Clerk s Office

    Other Permits

    There is no way to list all required permits, as the laws and regulations vary from place to place and from industry to industry. Check with local officials to find out what permits, if any, your retail business needs. Here are a few common permits to consider.

    • Alcohol Tobacco Sales
    • Alarm System Permit
    • Building Construction
    • Health Permit
    • Signage
    • Special Events
    • Zoning

    Before you open your doors to customers, be sure you ve done the necessary research on retail business licenses and permits you need. Start filing the paperwork as soon as you can, expect delays and provide all the necessary information to avoid any problems opening your business. Consult with a business lawyer if you have any unusual circumstances or need further clarification on obtaining retailing licenses and permits.


    Business Licenses #retail #skills


    #retail license

    #

    Business Licenses

    Search Business Licenses and Permits
    in New York

    Start a Business in New York State

    NY License Center defines a license as any required permit, registration, or similar form of authorization required by New York State. Examples of businesses requiring licenses are: restaurants, motor vehicle repair shops, beauty salons and barber shops, food establishments, and child day care centers.

    Want to find out what permits or licenses your business needs? Start with the Business Wizard to determine which New York State licenses are necessary to get your business up and running.

    Know what license you need? Find a complete list of the licenses and permits currently available through the License Center.

    You must have a user ID to apply for a new license or permit or to manage your existing licenses and permits. If you have an existing license, permit or application record, associate your record(s) with your account. Follow the instructions provided under “Records” in your NY License Center Account. To access your records, you will be guided through a security process (takes about 10 minutes). Get started.

    Already have a NY.gov ID? For example, that you use to file taxes in New York State, or that you use to renew your driver’s license with the New York State Department of Motor Vehicles. Log in with your NY.Gov ID. If you are acting on behalf of a business, contact your employer for your ID.

    If you need assistance using the NY License Center, please contact (518) 453-8130 to reach our call center between the hours of 8:30 am and 4:30 pm Monday-Friday, with the exception of state observed holidays.


    Business Licenses #webkinz #retailers


    #retail license

    #

    Business Licenses

    Search Business Licenses and Permits
    in New York

    Start a Business in New York State

    NY License Center defines a license as any required permit, registration, or similar form of authorization required by New York State. Examples of businesses requiring licenses are: restaurants, motor vehicle repair shops, beauty salons and barber shops, food establishments, and child day care centers.

    Want to find out what permits or licenses your business needs? Start with the Business Wizard to determine which New York State licenses are necessary to get your business up and running.

    Know what license you need? Find a complete list of the licenses and permits currently available through the License Center.

    You must have a user ID to apply for a new license or permit or to manage your existing licenses and permits. If you have an existing license, permit or application record, associate your record(s) with your account. Follow the instructions provided under “Records” in your NY License Center Account. To access your records, you will be guided through a security process (takes about 10 minutes). Get started.

    Already have a NY.gov ID? For example, that you use to file taxes in New York State, or that you use to renew your driver’s license with the New York State Department of Motor Vehicles. Log in with your NY.Gov ID. If you are acting on behalf of a business, contact your employer for your ID.

    If you need assistance using the NY License Center, please contact (518) 453-8130 to reach our call center between the hours of 8:30 am and 4:30 pm Monday-Friday, with the exception of state observed holidays.


    Business Licenses and Permits for Retail Businesses #visual #merchandising


    #retail license

    #

    Retail Business Licenses and Permits

    Updated July 30, 2016

    Knowing what licenses and permits your retail business needs can be very confusing when planning a new business. Each item requires time, energy and paperwork (depending on the government office you re dealing with) to obtain the proper registrations.

    As unpleasant a task as it may be, don t risk your business shutting down before it fully begins. Conducting business without the proper licensing is a criminal offense in some states, while others hand out hefty fines.

    Here are some of the more common retail licenses and permits to keep your business operating legally.

    Federal Tax Id

    An Employer Identification Number (EIN ) is also known as a Federal Tax Identification Number, and is used to identify a business entity. It costs nothing to apply for an EIN, it can be registered online, and most vendors will require a tax id before conducting business with a retailer.

    Business License

    How and where you register a retailing business with the state will depend on your state s laws. To find out what is needed to obtain a business license in your state, start by visiting your state s official website. You can usually find it at www.Your State s Name.gov. Most states have resources on how to register a new business and all of the requirements that must be met.

    If you have a retail business located within the city limits, you may also be required to purchase a local business license .

    Some counties and other municipalities also require a license. Call your county or city s clerk s office for more information. The fee varies depending on the type of business and where it is located.

    Where to Find: www.Your State s Name.gov and the County or City Clerk s Office

    Resale Certificate

    In order to purchase products to resell and not pay sales tax. your business will need a resale license or certificate.

    Not all states require a sales license and each state has its own name for this type of license.

    This type of business license will allow your store to buy goods tax exempt from a manufacturer or distributor. Then you collect the sales tax from the customer and pay it back to the state. Most vendors will request a copy of your resale certificate before doing business with your company.

    Where to Find: www.Your State s Name.gov or the state s Dept. of Revenue

    Business Name Registration or DBA Certificate

    If you use any name for your retail business other than your own personal name, you ll need to file the appropriate paperwork. Some business licenses include a business name registration ; others require a separate registration or a DBA (doing business as) certificate. When you file for a corporate business structure. a foreign or fictitious name application is generally included. Again, check your state s laws for more details.

    Where to find: www.Your State s Name.gov

    Professional Licenses

    Some industry-specific retailers such as auctioneers, hair dressers, pharmacists, optometrists and other professionals may require state or local occupational licenses.

    If you re not sure you need an occupational license, check with your industry s trade association or your state s licensing department.

    Where to find: State s Dept. of Licensing

    Certificate of Occupancy

    A certificate of occupancy may be required in some areas. After applying, the property is inspected by representatives of the necessary agencies. These may include the fire department inspector, the building inspector and the health and/or sanitation inspector.

    Where to find: City and/or County Planning Dept. Health Dept. or Clerk s Office

    Other Permits

    There is no way to list all required permits, as the laws and regulations vary from place to place and from industry to industry. Check with local officials to find out what permits, if any, your retail business needs. Here are a few common permits to consider.

    • Alcohol Tobacco Sales
    • Alarm System Permit
    • Building Construction
    • Health Permit
    • Signage
    • Special Events
    • Zoning

    Before you open your doors to customers, be sure you ve done the necessary research on retail business licenses and permits you need. Start filing the paperwork as soon as you can, expect delays and provide all the necessary information to avoid any problems opening your business. Consult with a business lawyer if you have any unusual circumstances or need further clarification on obtaining retailing licenses and permits.