Agents

Overview

600+

Independent Insurance Agent Partners

At Beacon Mutual, we collaborate with our agents to drive revenue and deliver top-tier workers' compensation solutions. With competitive compensation and dedicated support, we help you write new business, retain customers, and grow your agency. Beacon is the market of choice for Rhode Island, Massachusetts, and Connecticut businesses and also serves as the guaranteed workers' compensation market for the State of Rhode Island.

Become a Contract Agent

80

Existing Contract Agents with No Maximum Cap on Participation

$11.6m

Commissions Paid to Agents Annually

TOP QUARTILE AGENT COMPENSATION – Competitive new business commissions and a comprehensive profit-sharing program with “pro-agent” qualification requirements.

EMPOWERED LOCAL UNDERWRITERS – Our underwriters have the authority and tools to make fast, competitive decisions.

RESPONSIVE AND RELIABLE TEAM – Speak to real people who listen, understand your needs, and provide the right support when you need it most.

BROAD RISK APPETITE FOR BUSINESS – We write a wider range of industries than many competitors, ensuring more opportunities for your agency.

Contact your underwriter to learn more about becoming a Beacon Contract Agent.

Unique Features

$2.0m

Shared Earnings Paid to Policyholders in 2024

Shared Earnings Rating Plans

Based on the policyholder’s final audited premium and incurred losses at 18 months after inception, when there is a developed loss ratio of 45 percent or less, the employer receives a shared earning distribution.

68%

Of all Beacon Policyholders Earn a Loss-Free Credit

Loss-Free Credit Program

Beacon’s loss-free credit program provides for a premium credit up to a maximum of 10 percent. Potential savings include a 3 percent credit for 2 loss-free years; a 5 percent credit for 3 loss-free years; a 7 percent credit for 4 or 5 loss-free years, and a 10 percent credit for 6 or more loss-free years.

$35.1m

Policyholder Dividends Paid in the Last 6 Years

Policyholder Dividends

97% of all policyholders have earned a 5%-10% dividend over the last 6 years. This dividend program is designed to reward Beacon’s best performing policyholders based on premium size and safety results. This dividend recognizes policyholders who have contributed to Beacon Mutual’s financial strength by demonstrating safety as a priority.

Valued Services

11,000

Policyholder Employees Trained Annually

Customizable Safety Programs

Beacon’s tailored solutions work seamlessly alongside your agency’s offerings to deliver the best outcomes for your clients. Beacon’s team of local ergonomic and safety professionals are dedicated to creating safer workplaces and provide critical issue seminars, on-site and online safety training.

151+

Policyholders in Stay-at-Work/Return-to-Work Program

Comprehensive Claims Management

Our claims specialists, with an average of nearly 20 years of experience, provide expert guidance to ensure the best possible outcome for both businesses and injured employees. Nobody works harder to get injured employees back to work with compassion and care.

Lighthouse Award

6

2023 Award Winning Agencies

Annually, Beacon Mutual honors agencies who exhibit performance excellence with the prestigious Lighthouse Award for Agency Excellence. Congratulations to our 2023 Lighthouse Award Winners: Affiliated Insurance Managers, Capital City Insurance Agency LLC, FBInsure LLC, HUB International New England LLC, The Hilb Group of New England LLC, and Smyth Business Solutions.

Contact Your Underwriter

30+

Years Writing Workers’ Compensation Policies in Rhode Island, Massachusetts and Connecticut

Dawn Adams

SR UNDERWRITER

401-825-2802

Brooke Amaral

UNDERWRITER

401-825-2727

Andrea Dufault

SR UNDERWRITER

401-825-2721

Jonathon Gammell

UNDERWRITING MANAGER, BUSINESS ANALYTICS

401-825-2809

Jane King

SR UNDERWRITER

401-825-2797

Karen Mills

SR UNDERWRITER

401-825-2812

Melissa Salmani

UNDERWRITER

401-825-2796

Rhonda Ziehl

SR UNDERWRITER

401-825-2799

Wendy Boloz

ENTERPRISE BUSINESS DEVELOPMENT

401-825-2869

Jeffrey Chuey

ENTERPRISE BUSINESS DEVELOPMENT

401-825-2718

Todd Dalessio

ENTERPRISE BUSINESS DEVELOPMENT

401-825-2838

Jessica Bishop

UNDERWRITING MANAGER

401-825-2808

Julie Cyr

UNDERWRITING MANAGER

401-825-2806

Chris McNally

DIRECTOR UNDERWRITING & PREMIUM AUDIT

401-825-2846

Billy Gross

VP UNDERWRITING, AGENCY DISTRIBUTION & PREMIUM AUDIT

401-825-2785

Become an approved Agent

Beacon Mutual Agent Application

Learn more about the agency approval process.

Agency Approval Process

Sign Up for Beaconnect

BEACONNECT Registration

DOWNLOAD REGISTRATION FORM

More About Beacon Mutual

At Beacon, we’re not just Rhode Island’s leading provider of workers’ compensation insurance; we’re a cornerstone of support for businesses across Massachusetts, Connecticut, and beyond. Our commitment to delivering exceptional coverage and unparalleled service has fueled our growth and solidified our reputation as the market of choice for business safety.

For more help and support please read our frequently asked questions.

LEARN MORE