Purchasing Workers Comp Insurance in Arkansas

Arkansas Coverage Requirements 2020

    Most employers with 3 or more employees are required to have workers' compensation coverage in the state of Arkansas.

    Sole Proprietors, Partners, Corporate Officers and LLC Members are all included in coverage, but may elect to be exempt.

    Exclusion forms in the state of Arkansas are company specific. It is important that you check with your insurance company to ensure you are filling out the correct form if electing to exclude yourself.

    When an Arkansas worker is working temporarily in another state, workers comp coverage for that worker is governed by the provisions found in Arkansas statutes. Not all states allow benefits to be transferred back to the primary state. Reciprocity governs coverage for a worker from another state who is working temporarily in Arkansas.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole proprietors, Partners and LLC members if included for coverage must do so at a payroll amount of $41,000 (Last changed by the state on 08/01/2018).

    Corporate Officers who are included for coverage must do so at a payroll minimum of $41,600 and a payroll maximum of $166,400 (Accurate as of 8/1/2018, last changed by the state on 01/01/2018).

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Arkansas can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. WorkersCompensationShop.com can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Arkansas.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Arkansas employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Free No-risk Quotes

Give us 10-15 minutes and we'll get to work finding your very best deal on work comp coverage. We work with some of the lowest priced workers compensation insurance carriers doing business in Arkansas.

Quote Arkansas Workers Compensation With Us

Arkansas Rates

Rates on Workers' Compensation Coverage in Arkansas are some of the cheapest in the nation. On average they are 42% cheaper than the rest of the country, making it the third cheapest state in the country to purchase work comp. Still many businesses are not taking full advantage of all the programs available to help them save on their work comp coverage.

Need Help With Arkansas Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our AR Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Arkansas. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Arkansas can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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