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According to Arkansas' laws, if you employ three or more workers—regardless of their tax filing status (W2, 1099, or part-time)—you are required to have Workers' Compensation Insurance coverage. There are exceptions to the three-or-more requirement, so employers with fewer than three should check with Arkansas’s Legal Advisor Division before assuming they are exempt.

AR Workers' Comp: Key Details

  • Sole proprietors in Arkansas can purchase WC for themselves, but are not required to unless they have two employees of any classification (part-time, full-time, or contractor).
  • Once an AR business has three employees (including the owner), it must carry Workers’ Comp coverage.
  • Construction workers must have WC even if they don't have employees (i.e., sole proprietors who are construction workers in Arkansas must carry Workers’ Comp).
  • Contractors and subcontractors must carry WC if they have only one other employee.
  • Arkansas Workers' Compensation Insurance must be purchased through a commercial provider. If you have state approval, you may be permitted to provide self-insurance.

Want more details about Workers' Compensation in Arkansas? Visit Arkansas.gov's "Basic Facts about Workers' Compensation in Arkansas."

Workers' Compensation Insurance Laws By State