Commercial Insurance in Arkansas.
Protecting your business in The Natural State.
From the Ozarks to the Delta, Arkansas businesses face unique risks. Whether you're in transportation in Little Rock, agriculture in the Arkansas River Valley, or a growing business in Fayetteville, RISKX provides tailored insurance solutions. We are a nationwide agency ready to protect your Arkansas business.
Key Industries in Arkansas
Workers' Compensation in Arkansas: Required
Arkansas requires workers' compensation for employers with three or more employees. It is a competitive market, allowing for private insurance carriers.
Arkansas Regulatory Notes
Workers' comp is mandatory for employers with 3+ employees.
Commercial auto liability minimums are $25,000/$50,000/$25,000.
Arkansas is not a no-fault state for auto insurance.
The state has specific regulations for trucking and transportation companies.
Workers' Comp Rate Details — Arkansas
- •Required for employers with 3 or more employees
- •Second-lowest WC rates in the nation
- •Agricultural employers with fewer than 10 workers are exempt
Penalty for non-compliance: Class D felony; fines up to $10,000
Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.
Auto Insurance Minimums — Arkansas
- •PIP required ($5,000 medical) unless rejected in writing
- •Standard tort liability state
Regulatory Overview — Arkansas
Regulatory Body
Arkansas Insurance DepartmentKey Facts
- •Second-lowest workers' comp rates in the U.S. — 51% below median
- •WC threshold is 3+ employees, not 1
- •Strong manufacturing and logistics sector
Popular Coverages in Arkansas
Arkansas Insurance FAQ
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