Business Insurance in Arkansas

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What are the requirements for small business insurance in Arkansas?

State laws can affect which insurance policies you need for your small business. These policies are required for Arkansas businesses.
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Workers’ compensation insurance

With a few exceptions, Arkansas state law requires businesses with three or more employees, full-time or part-time, to carry workers' compensation insurance. In the construction industry, businesses with fewer than three employees must provide workers' comp. Employers may not charge an employee any amount for the coverage costs. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Arkansas must be covered by commercial auto insurance. Arkansas requires $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Arkansas

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Arkansas business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Arkansas business insurance

In Arkansas, insurance agents and agencies are licensed by the Arkansas Insurance Department. Insureon is licensed in Arkansas as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100104729). Verify our licensure with the National Association of Insurance Commissioners by entering Arkansas, Licensee, and Business Entity, then entering our license number or NPN.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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