Business Insurance in Arkansas

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Get small business insurance for your Arkansas business

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Learn about Arkansas' insurance requirements

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Recommended insurance policies for small businesses in Arkansas

General liability insurance icon

General liability insurance

This policy is important for all Arkansas businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Personal injuries
  • Advertising injuries
  • Product liability coverage
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and oversights.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Arkansas businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of business insurance.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required for Arkansas businesses that have three or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Arkansas. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Arkansas business insurance requirements

State laws affect which business insurance policies you need. These policies are required everywhere in Arkansas, from Fayetteville to Little Rock.

Blue check mark

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 Arkansas workers any amount for the coverage costs. This policy covers medical bills for work injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Arkansas must be covered by commercial auto insurance. Arkansas's minimum requirements for auto insurance are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Trucking companies may need additional insurance coverage to comply with regulations.

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

How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Top professions we insure

Don't see your profession? Don't worry. We insure most businesses.

What our customers are saying
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that match Arkansas's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Arkansas, insurance agencies and agents 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 selecting Arkansas, licensee, and business entity, then entering our license number or NPN.

Compare quotes for Arkansas business insurance
Save money by comparing business insurance quotes from top providers.
What kind of work do you do?
Or call us at (800) 688-1984