The Beacon Mutual Insurance Company

The Beacon Mutual Insurance Company is a policyholder-owned workers’ compensation insurer headquartered in Warwick, Rhode Island. Created from a state-chartered insurance fund and renamed in 1992, it originally focused on the Rhode Island market. It now covers employers in Rhode Island, Massachusetts and Connecticut. Beacon handles claims and medical coordination for work-related injuries while helping employers reduce workplace hazards and support employees’ return to work. Its ownership structure and regional specialization distinguish it from a general commercial insurer, and its work connects employers, injured workers, agents, safety specialists and case managers.