Welcome to MKI. So nice to see you.

A website should be more than just text on the web. We’d like to think we are sharing a small piece of who we are as a company. Feel free to poke around, explore and learn more about us. We are here to help.

Auto Insurance Quote

We've implemented a page that will be directly emailed to MKI. Your privacy is our number one concern. Your information will not be sold or shared with any outside parties. Our goal is to provide you a competitive quote and make this process easier for you. You will receive a call or email within one business day.

Coverage can only be bound subject to a completed and signed application and deposit.

Personal Information

Primary Vehicle Information


Second Vehicle Information


Third Vehicle Information


Homeowner’s Insurance Quote

We've implemented a page that will be directly emailed to MKI. Your privacy is our number one concern. Your information will not be sold or shared with any outside parties. Our goal is to provide you a competitive quote and make this process easier for you. You will receive a call or email within one business day.

Coverage can only be bound subject to a completed and signed application and deposit.

Personal Information

House Information

Business Insurance Quote

We've implemented a page that will be directly emailed to MKI. Your privacy is our number one concern. Your information will not be sold or shared with any outside parties. Our goal is to provide you a competitive quote and make this process easier for you. You will receive a call or email within one business day.

Coverage can only be bound subject to a completed and signed application and deposit.

Business Information

Life Insurance Quote

We've implemented a page that will be directly emailed to MKI. Your privacy is our number one concern. Your information will not be sold or shared with any outside parties. Our goal is to provide you a competitive quote and make this process easier for you. You will receive a call or email within one business day.

Coverage can only be bound subject to a completed and signed application and deposit.

Personal Information

The 24 Hour MKI Claim Reporting Center

Welcome to our 24 Hour Online Claim Reporting Center. We have implemented a 3 step system to insure you receive prompt service and attention. Here’s how it works:

Step 1: Email MKI.

Send us an email and notify us of your situation. Please send as much info as you can about this claim. Someone from our office will be in contact with you and help guide you through this process.


Step 2: Notify The Carrier.

Please select the carrier you wish to contact. Besides notifying MKI, we would encourage you to call this number and report the claim to the company. This way MKI will be able to work with the company and insure the claim runs smoothly.

Peerless Insurance: 800-522-7152

Travelers: 800-252-4633

Progressive: 800-274-4499

Foremost Insurance Group: 800-532-4221

GMAC Insurance: 800-468-3466

Safeco: 800-332-3226

RI Joint Reinsurance Association: claims must be faxed to 800-851-8424

Rhode Island Auto Insurance Plan:
Call: (401) 946-2600

Infinity Insurance

Beacon Mutual: Toll-free (888) 886-4450 or (401) 825-2667

If you have fire, windstorm, water or other damage that requires immediate attention, please call Insurance Reconstruction Services at (401) 231-3130.

Providence Fire Restoration, Inc. (PFR) is a prominent building/content restoration company located in Pawtucket, RI. Founded in 1988, PFR was established to provide Southeastern New England with quality, dependable, and efficient fire and water damage restoration services. PFR's years of experience has set us apart from our competitors and has made us a leader in the industry. Call 800-421-3380

Step 3: MKI Follow Up.

If this is your first claim with a carrier, it makes a lasting impression with you. We would like to make this as easy as possible. Make sure to keep in contact and use all the resources MKI has to offer you.

About MKI

At MKI, our world is our clients. Insurance is our job, our passion. Each agent in our office works in this field because we want to create a difference in the lives of the people we insure. We strive to make insuring your house, cars, or business more manageable for you. We also have options in life and health insurance that come with years of experience. Each time you reach our office, you can be rest assured you are not treated like a number. If you need a hand to raise you when you’ve fallen, we want to be the agent who has made a difference in your life.

We invite you to navigate the site. Learn more about how we operate and what we stand for. Where we have been and where we are headed. With over 70 years of proven commitment to insuring what you treasure most, we’ll protect your world.

MKI Past and Present

A Brief History

MKI’s history and stability in the Rhode Island insurance market is founded on sound financial principals that stretch back to the early decades in the 1900’s.  The very fact that the agency started in the economic climate of the Post Great Depression and then soldiered on through decades of change in America shows a steady strength. One of the keys to a successful long standing company is the ability for each generation of leadership to add to the institution. This history and experience is what makes MKI so unique. The firm was founded on the fundamentals of honesty and integrity. The only type of foundation an insurance agency should have. Our knowledge and years of experience have taught us that our clients are the reason we come to work each day. We’ve been protecting people’s lives and families for many years. MKI has seen families grow and prosper. Many generations have trusted us. Our goal has never changed.

1936: Starting an Early Tradition

Founded in 1936 by Louis J. Mercier, The Mercier Insurance Agency, started out humbly in the city of Central Falls, Rhode Island. Louis Mercier believed that his friends and community held a special bond. Located originally on Chestnut Street, his customers were within walking distance of the agency. If you asked a Mercier client how they felt about Louis, the response was always “honest” or “trustworthy”. Some accounts that started on the books in the 40’s remain in the MKI family. Louis often made home visits to collect weekly premiums at the request of the clients. The insurance salesman became a fixture in households and many considered Louis family. It was during this time American small businesses began to prosper and it was not uncommon for a whole family to help out a business. The Mercier Insurance Agency carried on through the 50’s, 60’s and 70’s until it was purchased by Yvonne Mercier, Louis’s daughter who had always worked with him. She took helm of the company after her father passed and continued to run and maintain the agency until Richard Kosinski took ownership in 1983.

1982: A New Direction

Richard Kosinski, a graduate of Providence College class of 1968, had a impressive financial background working in the banking field with such companies as Hospital Trust and Old Stone Bank. He also had a knack for communication, and people trusted what he had to say. His father has owned a small venetian blind company in Pawtucket, RI and in the eyes of his son, had a very successful career owning a business he loved. Richard decided he wanted to take a chance and revitalize an insurance agency of which he saw great potential for advancement.

The turbulent and excessive financial climate of the 1980’s proved to be a pivotal time in RI for small business. Richard began to appreciate that he ventured out of the corporate world and had acquired the agency from Yvonne Mercier. At this time, he took the company in a new direction by building it up financially and investing all his energies to make the company known to the public again. Richard renamed the agency Mercier and Kosinski Insurance, Inc. In 1983, the company moved from Central Falls, to Lincoln, RI on Smithfield Avenue. The agency continued to grow and thrive based on solid business relationships and hard work.

2002: A New Twist on an Old Favorite

Having grown up in a household buzzing with insurance talk, Joseph Kosinski was never a stranger to the world of insurance agencies. However, wanting to explore marketing and sales, Joseph pursued a different path to entrepreneurship. Always having a plan to own some type of business, Joseph wanted to be a marketer first. With a BS from Providence College, practical real world job experience from such companies as GTECH, Hirsch Speidel, and a marketing company called the BRW Group in Providence, Joseph took some chances and signed on to explore a new prospect. It became clear to him that the goal of overall job satisfaction could be found working on his own and he yearned for more of a permanence of client relationship. That’s where Mercier and Kosinski Insurance fell into the equation. This great institution of insurance opened up a world he never really knew existed. In 2002, Joseph Kosinski signed on to become a producer at Mercier and Kosinski Insurance. Joseph submersed himself in the pool of clients and learned the insurance business had many differences to corporate America. Joseph brought a new twist to the insurance business by implementing an advertising and marketing strategy.

The year 2005 saw many changes to Mercier and Kosinski Insurance. This year saw Joseph step into the principal agent’s seat. The agency increased overall volume and took a new direction focusing on products like commercial insurance as well as overall insurance plans for existing clients of the agency. Internally the transformation had begun to develop a new team that could suits the needs of a new kind of insurance world. One that is based on technology and new ways of communication, while trying to keep the original charm that had made the agency such a success in the past. For instance, a new logo prominently displays an abbreviation of Mercier and Kosinski Insurance that still imbues the firm’s history and pride.

Fast forward to 2009 and the launch of a new brand. The company continues to refine their market presence. Witness the new MKI Logo. A rebirth and continuation of a 72 year old pursuit of insuring and helping clients succeed at business and life long plans. Today we’re charged and excited about the new innovations and technology that will improve customer relations with clients. We haven’t forgotten about how we started. Louis Mercier’s spirit and dedication lives on in MKI.

Meet the MKI Team

Joseph Kosinski

Agency Principal

I’d describe myself as an honest, hardworking and outgoing person who is ready to make an impact in people’s lives. What I value most in my life isn’t a possession or an object. Many experiences in 2005 (and through out my life) have taught me that life can be fleeting; the most important thing we can do is live each day to the fullest with positive steps.

Ask anyone who knows me, insurance is my alter ego. From an early age, it was in my blood. I’m also a bona fide car guy. I also enjoy traveling to places like California as well as international travel abroad. I’ve found so much culture and tradition can be captured by seeing how people live around the world.

This agency has given me the opportunity to work hard and feel a sense of pride with everything I do. We have a nice staff that work hard and always give 100 percent! It may sound cliché, but we have some of the most wonderful clients. Loyal, friendly people who give me a reason to come to work each day and work for them. Each client gives our agency a purpose to exist and we strive to make their experience thoughtful.

For more information on me, you can find me on Facebook, Twitter and LinkIn.

Denise S. Kosinski

Agency Account Manager, Vice President, "Granddaughter to the Founder"

Denise is meticulous with the details and balances the books to the penny. That’s why she’s our bookkeeper extraordinaire. Her talents run much deeper, as she manages and motivates the staff on a daily basis. Her values are a major asset to the agency. Her loyalty to our business is immeasurable. Denise has been in the business for over 50 years being in the third generation of this four generation agency. You just cannot find someone more devoted to her job. “We’ve lasted this long because of honesty, integrity and commitment to our customer family. We hope to be doing business with our clients their whole lives.” Denise’s sentiments are sincere and her knack for customer service makes her the backbone of our agency.

Kris Zarli-Bloomquist, ACSR

Personal Lines Account Manager

Kris has worked in the insurance industry for more than 10 years. She has a bachelor’s degree from Johnson and Wales University and worked in the food service industry for 20 years prior to her career in the insurance world. With her knowledge of personal lines insurance she is the person to speak to when you have a question about your home or auto. When she is not in the office she spends time with her Black Lab Remy, volunteers at the Swedish club, the Lions Club and spends time with her family and friends.

George M. Coyne, AAI

Commercial Lines Account Manager

George understands that his clients come first and their needs are his first priority. What separates him from other agents is his knowledge, experience and dedication to helping his clients purchase the right coverage at the best possible price. A University of RI graduate, George started his professional insurance career as a claims adjuster working for multiple insurance companies so you know your claim will be settled fairly and expeditiously. From claims to commercial line sales or account management, he has done it all. George is married with two children and he understands the importance of developing, nurturing and maintaining solid relationships with his clients. You can feel confident in knowing that you will be treated like a family member, not just a client. When it comes to expert advise and counsel, George consistently comes through.


Restoration Companies

Insurance Reconstruction Services
1.888.231.3130 / www.insurancerecon.com
PFR Water 7 Fire Cleanup Specialists
1.800.421.3380 / www.pfrinc.com

Preferred Body Shops

Lindbergh’s Auto Body
Wilson’s Auto Repair

Driving Schools in RI

Larue’s Blackstone Valley Driving School
401.722.1864 (Rose A. Nickerson)

Mortgage Companies

Ocean Gate Mortgage Co., Inc.

Rental Car Referral

Hertz Local Edition

Local News

The Valley Breeze
Lincoln Town Website

Company Websites for Insured

Peerless Insurance
Travelers Insurance
Progressive Insurance
GMAC Insurance
RI Joint Reinsurance
Encompass Insurance
Foremost Insurance
The Andover Companies
SafeCo Insurance
Trusted Choice: Independent Agents of RI
Rhode Island DMV


This website was designed by Greene House Design
in collaboration with Solid Uncoated.

Greene House Design
Solid Uncoated

Contact Us

Mercier & Kosinski Insurance, Inc.
1009 Smithfield Avenue, Lincoln, RI 02865

401 723 7099

Business Hours:

  • Our regular hours are Monday through Friday, 8:30am – 5:00pm.
  • We usually take lunch from 12:30pm – 1:00pm.
  • Weekend and evening appointments are also available.

Email us directly:

Directions to MKI


1009 Smithfield Avenue, Lincoln, RI 02865


From South of RI: Take 95 North to Exit 25 A/B (North Main Street/Smithfield Avenue). Take exit 25B towards Smithfield Avenue. You will bear right at the end of the exit ramp. At first set of lights, turn right onto Smithfield Avenue (RI-126). You will then stay on Smithfield Avenue for about 2 miles passing through three sets of lights. After the third set of lights, we are located on the right.

From North of RI: Take 95 S to Exit 25 (North Main Street/Smithfield Avenue). Once at the end of the exit, take right to get onto Smithfield Avenue (RI-126). At the first set of lights, take a right onto Smithfield Avenue (RI-126). You will then stay on Smithfield Avenue for about 2 miles passing through three sets of lights. After the third set of lights, we are located on the right.

Coming from MA?

From MA: Take 95 South to the exit for 295 South. Off of 295 South, take the exit for 146 South (Lincoln, RI). Once on 146, take the Breakneck Hill Road Exit. At the end of exit, take left and proceed down Breakneck Hill Road. Once you reach your first stop light, take a right onto Great Road. About a quarter mile down this road, the name changes to Smithfield Avenue. Proceed straight through one more light and we are located about a half mile on the left.

Prefer internet directions?

Visit Google Maps, yahoo.com, or mapquest.com.

Auto Insurance

In Rhode Island and Massachusetts, we seem to get inundated with advertisements for auto insurance. There are plenty of direct companies that are competing for your dollar. At MKI we offer competitive rates that usually beat the direct companies with a personal touch. We handle each case with quick and honest service without the wait or the use of an automated line. When you call, you are instantly connected with a certified and accredited agent who you are familiar with. There is already an established relationship.

Motorcycle Insurance

We love to insure motorcycles. Let our companies provide you with the latest options like roadside assistance, second rider coverage, as well as higher medical payment coverage to protect your loved ones as they cruise the roads. Owning a motorcycle is a passion. It’s an escape that we understand is essential in some people’s lives.

Classic Car Insurance

Have a 1967 Corvette Sting Ray you’d like to purchase? Not sure how to go about insuring a classic Car. Try our five markets, and be surprised at how inexpensive it is to own and insure a piece of history.

Homeowner’s Insurance

There are many important factors to take into consideration when deciding what coverages are needed for your home. A knowledgeable insurance professional is required so that the essential questions are being asked. At MKI we have been insuring homes in Rhode Island and Massachusetts for over 70 years. These years of experience provide security that you will receive complete coverage, from the best companies, with a fair price.

Apartment / Renter’s Insurance

Most people are unaware that their landlord’s insurance policy is not responsible in the event of a loss to your personal property (i.e. if there was a flood, burglary, fire, etc.). This is one of the many reasons apartment insurance is so important to possess. Known in the industry as renter’s insurance, this policy can be tailored to the specific amount of personal effects you own in your apartment. Renter’s insurance can also cover you in the event a person gets injured in your apartment due to a slip or fall. Replacement cost coverage is another choice to include. This option assists you in getting back all your costly positions without depreciation to account for. You may also include coverage on your property if there is loss while traveling.

MKI offers a discount on renter’s insurance as well as auto insurance when you combine the two. Contact one of our agents today to find out more information.


Hurricanes are among the most destructive forces in the world. Insuring your house wisely for such a devastating event is crucial. Statistically speaking, Providence gets brushed or hit with a hurricane or a tropical storm every 7.21 years. Boston, on the other hand, gets brushed or hit every 6.23 years (according to hurricanecity.com; September, 2008).

It is important to know that many companies in Rhode Island and Massachusetts make consumers carry a significantly higher deductible (the amount of money paid out of your pocket) for hurricane coverage as a result of the elevated amount of damage costs. Some insurance companies’ hurricane deductible make homeowners pay 2-3% of the value of your home. Many insurers do not know about this hidden cost until it is too late. MKI prides itself on offering policies without hurricane deductibles. For more information regarding this matter, we encourage you to inquire more about this subject with one of our agents.

Flood Insurance

Did you know that floods are the second most common type of natural disasters? Flood insurance compensates for physical property damage resulting from flooding. Flooding can result from heavy rains, melting snow, blocked storm drainage systems, mudflow, overflow of inland or tidal waters or from other sources. For flood insurance to take effect, the water must cover at least two acres of normally dry land or affect at least two properties. The national government funds flood insurance therefore making the cost affordable as well as the same wherever you purchase it from. Homeowner policies do not include flood insurance therefore must be purchased separately. Ask one of our agents today for more information regarding this type of coverage.

Guaranteed Replacement Cost Coverage

Guaranteed replacement cost coverage is the most comprehensive insurance policy. This policy covers the full cost of replacing damaged or stolen property. This type of protection is an additional item that can be included in your new or existing policy. Please contact one of our experienced agents for further information if you are interested in this type of coverage.

Insurance Package Policies

Save money and invest it in your future

Our clients have long enjoyed the savings that are associated with combining home and auto policies into one package. This merger of policies can save you up to 15 percent. We also offer further discounts if you package your umbrella and boat policies with your home and auto policies. If this is relevant to you, please contact one of our agents today to compare prices.

Umbrella Insurance Coverage

Umbrella insurance coverage could be one of the most important polices you could ever own. Umbrella insurance can be defined as added liability protection that can be used as a supplement if your home or auto plan maxes out its own liability. In other words, you can count on it as an added coverage in the event you are responsible for excessive damage to your home or to another party. Basic umbrella policies offer an additional $1,000,000 in coverage. Higher umbrella limits can be offered depending on the financial position you hold in life. If you think it makes sense to protect your financial future by investing in an affordable policy that could mean the difference between a success and a hardship, contact MKI today.

Business Insurance

Insurance for Your Business World

One of the great perks of insuring your business with MKI is our knowledge and expertise working with businesses of many sizes and personalities. We understand the pressures and deadlines you need to make and realize that your time is valuable. This is why it is important to have an intelligent agent who can quickly and efficiently manage your business accounts as well as get back to you on a timely basis. Here at MKI we will make the right recommendations and then effectively implement them into your business insurance plan. MKI has the experience and commitment to work for you no matter how big or small your business is. The less you have to worry about your insurance, the more you can concentrate on your own business and goals.

Business Owners Policy (BOP)

This package policy is tailored by MKI for small and medium sized business owners. It covers property and liability exposures as well as a loss of income. This means that if there was a fire or other sort of property damage to your business and it is unable to operate until damages were repaired, your BOP would compensate your monthly earnings as well as cover your payroll for up to twelve months. Purchasing a BOP is a good idea because it provides a complete coverage for a lower price when compared to separate policies for the same coverage.

Commercial Package Policy

We bet you’ve heard the term package pricing. But how can it impact your business. Having all of the necessary policies with one agent can mean critical savings and better management of accounts. We are also focused on cost saving, so if you have an existing plan, let us shop it with our companies.

Workers’ Compensation

Workers’ compensation insurance pays for medical care and rehabilitation for employees who are injured on the job or contract a work-related illness. Workers’ compensation also covers disability benefits, a portion of an employee’s lost wages as well as death benefits for dependents of employees killed in work related accident. We have many markets to quote many different kinds of insurance.

Commercial Auto Insurance

Commercial auto insurance provides coverage for company owned vehicles in the event of an accident that causes bodily injury or physical damage. Coverage can be for cars, trucks, buses or other types of vehicles. A common endorsement (which is a specification added to an existing insurance policy to modify its coverage) to commercial auto coverage is employers’ non-ownership and hired auto liability insurance. Employers’ non-ownership coverage would protect an employee’s personally owned vehicle if he or she needed to use it for work and got into an accident. Hired auto liability insurance is an option that would protect a rented vehicle for business use as long as it was rented for less than 30 days.

General Liability Insurance

This policy covers your business if it is sued for something the business did, or failed to do, and resulted in a bodily injury or property damage. This kind of protection can also compensate for any damages and/or settlements stemming from a lawsuit, up to the policy limits. In addition, general liability policies can cover attorneys’ fees and other costs associated with lawsuits.

Professional Liability Insurance

This policy is specialized for each type of business MKI insures. Coverage is assigned according to the amount of risk a client might have doing their business. It can protect you against financial losses from lawsuits filed against you by your clients. At MKI, we write a variety of professional liability insurance. Please contact us for further information regarding this policy.

Builder’s Risk Insurance

Building a new house or office building? THINK MKI. We have some great companies who offer some of the best rates in RI and MA. Renovating? This type of policy also covers a building during the course of construction or renovation. Builder’s risk insurance not only protects the building, it also protects building materials in transit, building materials at temporary locations, soft costs, and rental income. In addition, the policy covers the costs of labor and materials for new construction.

Directors & Officers (D&O) Liability Insurance

This form of insurance is for directors and officers of a company or a corporation in order to cover damages or defense costs in the event they are sued for wrongful acts while they were with that company. This type of liability insurance is also available to not-for-profit and private organizations. For not-for-profit organizations, private organizations, and for some small companies, coverage is often extended to employees in addition to the directors and officers of that company.

Employment Practices Liability Insurance

This policy provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. This policy will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. It also covers legal costs, whether your company wins or loses the suit.

Liquor Liability Insurance

A Liquor Liability policy covers the legal liability imposed on a business that sells, distributes, manufactures, or serves alcoholic beverages. This type of insurance can protect your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others. Some examples of businesses that should carry liquor liability insurance include bars, restaurants, hotels, motels, liquor stores, convenience stores, and grocery stores that sell liquor.

Special Events Liability Insurance

Special events liability coverage is a commercial general liability policy designed to provide insurance for the organization hosting an individual special event. Examples of some special events are concerts, arts and crafts shows, fundraisers, carnivals, golf tournaments, conferences/conventions, and festivals. Contact one of our agents for further information on coverage available for different events.

Surety Bonds

Ask us about Surety Bonds. We have binding authority with many companies. Fast and Easy, many can be done over the phone.

MKI News Updates

Follow us on Facebook
MKI: Since 1936