This policy is important for all Arkansas businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
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.
This policy helps Arkansas businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of business 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.
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.
State laws affect which business insurance policies you need. These policies are required everywhere in Arkansas, from Fayetteville to Little Rock.
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.
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).
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.