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Is Workers' Comp Required in Arkansas

Arkansas Workers Compensation Requirements

    Most employers with 3 or more employees are required to buy 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 completing the correct rejection form if electing to exclude yourself.

    When an Arkansas employee 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.

    The Arkansas State Insurance Fund is managed by NCCI.

Workers' Comp Exemptions in Arkansas

    Exemptions are straight-forwad in Arkansas. No forms need to be filed with the state. The Acord 130 workers' comp application should lists any excluded owners for the policy.

    When Sole Proprietors, Partners and LLC members are included for coverage they must do so using and annual payroll amount of $42,500.

    Corporate Officers who are included under their workers comp policy must do so at a payroll minimum of $41,600 and a payroll maximum of $171,600.

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How is Workers Comp Calculated?

Workers' compensation is a commercial insurance product categorized as Property & Casualty insurance (P&C Insurance). Even though workers comp is calculated using estimated payroll wages and class codes, premium is still a separate business expense from the cost of payroll. Business owners may treat the cost of coverage as an expense on their taxes.

Work comp rates for all job classification codes are always expressed as a percentage of $100 in wages. An annual policy is always subject to an audit because it was based on estimated wages and not actual wages.

Here is an example using two class codes with different estimated payroll for each class code:

Class Code Insurance Companies Rate Per $100 Estimated Annual Payroll Divide Payroll by 100
8810 Clerical $0.28 base manual rate $25,000  (25000 divided by 100) 250
8835 Home Health Care $1.75 base manual rate $100,000  (100000 divided by 100) 1000

In order to calculate the cost of the policy you only need to multiply each rate with its divided payroll. It benefits employers to re-calculate their premium as their payroll becomes larger than originally anticipated.

Class Code Workers Comp Calculator Estimated Premium
8810 Clerical $0.28 X 250 $70.00
8835 Home Health Care $1.75 X 1000 $1,750.00
Workers' Compensation Laws Vary by State

Every state has their own rules for how employees must be covered and how they must be classified for rating premium. 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 Insurance Fund, is available for employers who are unable to find coverage from a private company. 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 previous insurance 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 workers compensation programs that reduce or eliminate premium deposits and allow Arkansas employers to report and pay premium based on actual payroll wages. Protect your business from audits.

Lower Monthly Payments

We've negotiated special deals with many of our insurance partners. We 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.

Arkansas Workers Compensation Insurance Quotes

AR Workers' Comp Specialists

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.

Help with AR 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.

Fast 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.

Compare Rates With More 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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