Arkansas workers' comp rates even lower in 2024.

Workers' compensation insurance rates in Arkansas are some of the least expensive in the nation. On average, they are 51 percent lower than the rest of the country. Employers have benefited from overall rate declines for the past 10 years. Many experts are expecting rates to increase slightly in 2025.

Arkanssa is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the AR Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates will still vary for the same class codes in Arkansas because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates in Arkansas. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Arkansas Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Arkansas represent the current insurance rates for 2023. Arkansas insurance rates are regulated by the Arkansas Insurance Department and the AR Workers' Compensation Commission. Insurance companies may be able to offer discounts and credits on workers comp coverage. We also offer Pay As You Go worklers' comp insurance coverage in Arkansas. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps Arkansas employers purchase workers' compensation coverage at the lowest rates available.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers $1.23 $2.45
0042 Landscaping Service $2.23 $4.44
0106 Tree Trimming-Pruning-Removal $3.94 $7.84
0917 Residential Cleaning Service-Housekeepers $1.60 $3.19
2121 Breweries-Craft Beer $0.46 $0.92
2143 Winery-Wine Makers $0.79 $1.57
2585 Carpet Cleaning $1.10 $2.19
2589 Dry cleaning and Laundry Service $0.81 $1.61
3632 Machine Shop $1.17 $2.33
3724 Garage Door Installation $1.78 $3.54
3821 Salvage yards-Automobile Recycling $2.32 $4.62
5022 Masonry Construction $3.00 $5.97
5102 Door and Window Installers $2.33 $4.64
5183 Plumbing Contractors $1.03 $2.05
5190 Electrical Work-Electrician $0.97 $1.93
5221 Concrete Work-Flat Work Cement $1.86 $3.70
5223 Pool Installation-Pool Maintenance $3.43 $6.86
5348 Ceramic, Tile & Stone work $1.94 $3.86
5437 Trim-Finish Carpenters-Countertops $2.48 $4.94
5445 Drywall Contractors $5.22 $12.91
5474 Painting Contractor $2.16 $4.30
5478 Floor Installers-Wood-Carpet-Laminate $1.72 $3.42
5535 Metal Building Construction $2.47 $4.92
5537 HVAC-Heating & Cooling Service/Repair $1.87 $3.72
5537* Solar Energy Contractors-Installation $1.87 $3.72
5551 Roofing Contractors $7.50 $14.93
5606 Asphalt & Paving Work $0.52 $1.04
5645 Residential Construction-Home Builders-Remodelers-Siding $4.69 $9.34
6217 Excavation & Grading Work $2.02 $4.02
6400 Fence Installation & Repair $2.33 $4.64
7219 Trucking-Short & Long Haul $3.63 $7.23
7225 Towing Company $2.38 $4.74
7228 Trucking- Short Haul and Long Haul $3.09 $6.20
7230 Package & Parcel Delivery $3.02 $6.01
7370 Non-Emergency Medical Transportation-Taxi-Limousine-Airport Shuttle $1.69 $3.36
7605 Alarm Installation & Repair $0.93 $1.85
7720 Security Guards-Patrol Officers $0.91 $1.81
8006 Gas Stations-Convenience Stores $0.83 $1.65
8017 Retail Stores-Merchandise-Cannabis Dispensary Dispensary $0.46 $0.92
8292 Warehousing & Storage Facility $0.98 $1.95
8380 Auto Service & Repair - Mechanic $1.04 $2.07
8393 Auto Body Repair $0.47 $0.94
8742 Sales Professional $0.12 $0.24
8810 Clerical-Office Employee $0.07 $0.14
8824 Retirement Living Centers-Congregate Communities $1.22 $2.43
8829 Nursing Homes & Assisted Living Centers $0.76 $1.51
8831 Animal Shelters & Kennels-Veterinarian $0.48 $0.96
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist $0.11 $0.22
8835 Home Healthcare Workers $0.94 $1.87
8842 Group Homes-Temporary Shelters-Disability Facility $1.01 $2.01
8864 Social Serivce Organizations-Counseling-Family Service $0.58 $1.15
8868 Religious Organization-Church-Temple $0.20 $0.40
8869 Child Care Center-Daycare Providers $0.37 $0.74
9012 Property Management-Leasing Agents $0.43 $0.86
9014 Janitroial Service Contractors-Pest Control-Exterminating-Chimney $1.00 $1.99
9015 Building Maintenance-Campgrounds-Camps-RV Parks $1.09 $2.17
9052 Hotels & Motels $0.77 $1.53
9060 Golf Course & Country Clubs $0.50 $1.00
9063 Fitness Cennter-Health Clubs-YMCA Programs $0.34 $0.68
9082 Restaurants & Catering $0.45 $0.90
9083 Mobile Food Truck-Food Carts $0.43 $0.86
9083* Fast Food Restaurant-Concessions-Doughnut Shop $0.43 $0.86
9084 Bars-Taverns-Nightclubs $0.65 $1.31
9102 Lawn Service & Maintenance $1.01 $2.01
9180 Shooting Range-Amusement Park $2.13 $4.24
9402 Septic Tank Cleaning-Portable Toilets $1.75 $3.48
9403 Refuse Collection-Garbage-Trash Services $3.13 $6.23
9516 Electrical Equipment Repair and Service $1.65 $3.29
99084 Bars-Taverns-Nightclubs $0.67 $1.33

NCCI helps administer workers' compensation in Arkansas. They also manage the State Fund via the National Workers' Compensation Reinsurance Pool. Arkansas workers' comp rates vary by industry class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation loss experience.

State Resources for Arkansas

Arkansas Insurance Department

1200 W. Third Street
Little Rock, AR 77201

Arkansas Workers' Compensation Commission

PO Box 950
Little Rock, Arkansas 72203-0950

Arkansas is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency helps employers find guaranteed state fund workers' comp in AR. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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