AR Workers Comp Information

Get the latest news and information about Arkansas workers' compensation insurance.

Arkansas is an NCCI state meaning it uses the National Council on Compensation Insurance to determine rates on Workers' Compensation Insurance and to administer the assigned risk in the state. The assigned risk is for employers who cannot find coverage on the open market. This may be because of the industry your business is in, the type of risk your business is in or because of the loss history of your particular business. The assigned risk is there for business who struggle getting coverage elsewhere.

Most all employers in the state with three or more employees are required to carry Workers' Compensation Coverage. There are some exceptions to the three employee rule. Some employers with less than three employees are required to have coverage and some business with three or more employees qualify for an exception to this requirement. It is important you consult an agent or the proper state agency to determine if your business is required to carry Workers Comp Coverage.

The state of Arkansas does enjoy some of the best rates in the country. Still far too many employers pay more than they have to for workers compensation coverage. Each industry has specific discounts that may apply to your industry and some carriers discount some industries more than others. At Workers Compensation we partner with dozens of carriers rather than just a select few. This gives our agents the ability to negotiate better coverage and lower rates for your business.

Call today to get a free policy review at 888-611-7467, or you can get a quote online. It only takes a few minutes.

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About Workers Compensation in Arkansas

Arkansas Workers' Compensation Commission

Post Office Box 950
Little Rock, Arkansas 72203-0950

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Arkansas is an NCCI State

In Arkansas, businesses that are unable to find workers comp coverage on the open market are eligible for state fund coverage. NCCI is the administrator of the state fund in Arkansas. NCCI gathers data, analyzes industry trends and prepares objective insurance rate and loss cost recomendations, as well as providing coverage for business that cannot find it on the open market.

Arkansas Workers Compensation Class Codes

According to a recent report, 2 out of 5 employers are likely misclassified into an NCCI class code with higher rates than the correct code. One of the primary components of pricing workers' compensation insurance is classifying a risk or workplace exposure within the proper NCCI workers compensation class code. Incorrect risk classifications by insurance agents and/or underwriters often results in premium that is higher or lower than it should be. Sometimes payroll is reclassified at the time of audit.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Arkansas Work Comp Information

Pay as You Go Work Comp

We offer programs with flexible payment options because we know how crucial cash flow can be to a business. We've developed Pay as You Go Work Comp Coverage to help lower up front costs and offer monthly reporting for your premium payments.

Call today at 888-611-7467 to see if one of our flexible payment options are right for you.

Let Workers Compensation help your business navigate workers comp insurance in Arkansas.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
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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