--- title: "Arkansas BOP Insurance: Price Severe-Storm and Flood Gaps Separately" description: "Compare Arkansas BOP property, liability and business-income terms with recent tornado, hail and flood exposure." canonical: "https://spot.insure/coverage/business-owners-policy/arkansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" coverage-line: "business-owners-policy" state: "arkansas" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/business-owners-policy/arkansas) ## Agent Guide **What this page is:** Business Owners Policy guide for Arkansas: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering business owners policy questions specific to Arkansas. For the general concept, use /coverage/business-owners-policy; for other coverage in Arkansas, use /coverage/states/arkansas. **Questions this page answers:** - Do I need business owners policy in Arkansas? - What are Arkansas's business owners policy requirements? - Who regulates insurance in Arkansas? - Which providers hold Arkansas licenses for business owners policy? **Key facts:** - State regulator: Arkansas Insurance Department. - Reported surplus-lines tax rate: 4% - 4 providers listed with Arkansas license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 17 numbered sources with access dates; updated 2026-09-28. **Related pages:** - [Business Owners Policy (national guide)](https://spot.insure/coverage/business-owners-policy) — national concept guide - [Business insurance in Arkansas](https://spot.insure/coverage/states/arkansas) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) — provider with state license record - [Hiscox](https://spot.insure/insurance-providers/hiscox) — provider with state license record - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — provider with state license record # Arkansas BOP Insurance: Price Severe-Storm and Flood Gaps Separately NWS Little Rock recorded 52 Arkansas tornadoes in 2024, above its 30-year average of 37, and documented hail and heavy-rain events. Arkansas buyers should compare building and stock values, storm deductibles and income limits, and separately review commercial flood property protection and the separate business-income gap for each address.[^1][^2][^3] **Coverage:** [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) · [Arkansas](https://spot.insure/coverage/states/arkansas) ## What Is Business Owner’s Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [Read the national Business owner’s policy guide](https://spot.insure/coverage/business-owners-policy). ## Arkansas Business Owner’s Policy Requirements | Requirement | Details | | --- | --- | | Compare the package quote | Break out buildings, improvements, inventory, machinery and property of others, then compare each limit and valuation in the quote. Arkansas’s recent severe-weather record makes address-specific wind and hail review part of the package decision; compare flood building and contents protection separately from interruption income.[^1][^2][^3] | ## What Should You Watch for With Business Owner’s Policy in Arkansas? ### Review roof, building and stock terms NWS Little Rock’s 2024 summary counted 52 tornadoes statewide—above its 30-year average—and recorded significant hail and severe-weather events. Ask how the BOP values the roof, building, inventory and equipment, and compare wind/hail deductibles, coinsurance conditions and any roof or contents sublimits.[^2][^1] ### Do not treat the BOP as a flood quote FEMA describes NFIP commercial building and contents protection while excluding financial losses from business interruption. Check the address and contents exposure, then compare separate flood limits, valuation and deductible with the BOP; ask whether any private or excess flood option offers income protection.[^3][^1] ### Compare income limits and liability fit A package can combine property and general liability, while business-income protection and other extensions may have separate limits or conditions. Compare the trigger, waiting period, payment period and extra expense against your recovery plan; describe products, customer work and contract limits so the included GL limit can be evaluated.[^1][^2] ## Who Regulates Insurance in Arkansas? **Arkansas Insurance Department.** The Arkansas Insurance Department licenses resident and nonresident producers and business entities, accepts insurance complaints, and provides links to company and producer license searches. It operates as a division of the Arkansas Department of Commerce.[^4][^5][^9][^6] - [Regulator website](https://insurance.arkansas.gov/) - [License lookup](https://insurance.arkansas.gov/industry-regulation/licensing/) - [File a complaint](https://insurance.arkansas.gov/consumer-assistance/consumer-services/file-a-complaint/) - Phone: (800) 852-5494 ### Surplus-Lines Tax and Stamping Office in Arkansas **Reported tax rate:** 4% when Arkansas is the insured's home state Arkansas's broker filing instructions set a 4% surplus-lines tax. Federal law assigns nonadmitted-insurance regulation and tax to the insured’s home state; for a multistate policy, ask your broker to show the home state and the premium allocation used for the Arkansas filing. Arkansas law requires the contract to disclose that the state's property-and-casualty guaranty protection does not apply.[^7][^8][^10] ## Which Business Owner’s Policy Providers Have Arkansas License Records? These providers publish a national listing for Business owner’s policy; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Arkansas; [check the regulator’s license lookup](https://insurance.arkansas.gov/industry-regulation/licensing/) and confirm state availability for your business when requesting a quote. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] **Coverage membership:** Corgi lists a business owner’s policy in its coverage catalog. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^15] **Coverage membership:** ERGO NEXT markets a business owner’s policy. - [Hiscox](https://spot.insure/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Covers:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^14] **Coverage membership:** Hiscox offers business owner’s policies for small businesses. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^16] **Coverage membership:** TechInsurance arranges business owner’s policies for small businesses. ## What Should You Ask Before Buying Business Owner’s Policy in Arkansas? 1. What wind or hail deductible, roof valuation and coinsurance terms apply to each Arkansas building? 2. Does the location fall in a mapped flood area, and what separate limits apply to the building, stock and machinery? 3. Does flood insurance provide any business-income protection, or is that loss outside the policy? 4. What covered property loss triggers BOP business income, and how long can the policy pay? 5. Does the BOP liability limit address customer, product and completed-work exposures in our contracts? ## Business Owner’s Policy in Arkansas: Frequently Asked Questions ### Is flood part of the Arkansas BOP property limit? The BOP quote must answer that. FEMA’s commercial flood guide describes separate building and contents protection and excludes business-interruption losses. Compare those terms and do not assume a separate flood policy replaces lost income.[^3][^1] ### Does storm-related downtime automatically qualify for business income? No automatic conclusion follows from the weather event. Compare the policy’s covered-cause requirement, physical-damage trigger, waiting period, payment period and exclusions with your location and recovery needs.[^2][^1] ## Business Owner’s Policy Guides for Other States - [Alabama](https://spot.insure/coverage/business-owners-policy/alabama) - [Alaska](https://spot.insure/coverage/business-owners-policy/alaska) - [Arizona](https://spot.insure/coverage/business-owners-policy/arizona) - [California](https://spot.insure/coverage/business-owners-policy/california) - [Colorado](https://spot.insure/coverage/business-owners-policy/colorado) - [Connecticut](https://spot.insure/coverage/business-owners-policy/connecticut) - [Delaware](https://spot.insure/coverage/business-owners-policy/delaware) - [District of Columbia](https://spot.insure/coverage/business-owners-policy/district-of-columbia) - [Florida](https://spot.insure/coverage/business-owners-policy/florida) - [Georgia](https://spot.insure/coverage/business-owners-policy/georgia) - [Hawaii](https://spot.insure/coverage/business-owners-policy/hawaii) - [Idaho](https://spot.insure/coverage/business-owners-policy/idaho) - [Illinois](https://spot.insure/coverage/business-owners-policy/illinois) - [Indiana](https://spot.insure/coverage/business-owners-policy/indiana) - [Iowa](https://spot.insure/coverage/business-owners-policy/iowa) - [Kansas](https://spot.insure/coverage/business-owners-policy/kansas) - [Kentucky](https://spot.insure/coverage/business-owners-policy/kentucky) - [Louisiana](https://spot.insure/coverage/business-owners-policy/louisiana) - [Maine](https://spot.insure/coverage/business-owners-policy/maine) - [Maryland](https://spot.insure/coverage/business-owners-policy/maryland) - [Massachusetts](https://spot.insure/coverage/business-owners-policy/massachusetts) - [Michigan](https://spot.insure/coverage/business-owners-policy/michigan) - [Minnesota](https://spot.insure/coverage/business-owners-policy/minnesota) - [Mississippi](https://spot.insure/coverage/business-owners-policy/mississippi) - [Missouri](https://spot.insure/coverage/business-owners-policy/missouri) - [Montana](https://spot.insure/coverage/business-owners-policy/montana) - [Nebraska](https://spot.insure/coverage/business-owners-policy/nebraska) - [Nevada](https://spot.insure/coverage/business-owners-policy/nevada) - [New Hampshire](https://spot.insure/coverage/business-owners-policy/new-hampshire) - [New Jersey](https://spot.insure/coverage/business-owners-policy/new-jersey) - [New Mexico](https://spot.insure/coverage/business-owners-policy/new-mexico) - [New York](https://spot.insure/coverage/business-owners-policy/new-york) - [North Carolina](https://spot.insure/coverage/business-owners-policy/north-carolina) - [North Dakota](https://spot.insure/coverage/business-owners-policy/north-dakota) - [Ohio](https://spot.insure/coverage/business-owners-policy/ohio) - [Oklahoma](https://spot.insure/coverage/business-owners-policy/oklahoma) - [Oregon](https://spot.insure/coverage/business-owners-policy/oregon) - [Pennsylvania](https://spot.insure/coverage/business-owners-policy/pennsylvania) - [Rhode Island](https://spot.insure/coverage/business-owners-policy/rhode-island) - [South Carolina](https://spot.insure/coverage/business-owners-policy/south-carolina) - [South Dakota](https://spot.insure/coverage/business-owners-policy/south-dakota) - [Tennessee](https://spot.insure/coverage/business-owners-policy/tennessee) - [Texas](https://spot.insure/coverage/business-owners-policy/texas) - [Utah](https://spot.insure/coverage/business-owners-policy/utah) - [Vermont](https://spot.insure/coverage/business-owners-policy/vermont) - [Virginia](https://spot.insure/coverage/business-owners-policy/virginia) - [Washington](https://spot.insure/coverage/business-owners-policy/washington) - [West Virginia](https://spot.insure/coverage/business-owners-policy/west-virginia) - [Wisconsin](https://spot.insure/coverage/business-owners-policy/wisconsin) - [Wyoming](https://spot.insure/coverage/business-owners-policy/wyoming) [Other Coverage in Arkansas](https://spot.insure/coverage/states/arkansas) ## Sources for Business Owner’s Policy in Arkansas [^1]: [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) — Spot; Published national BOP article; package sections, eligibility and separate coverage gaps. Accessed 2026-09-28. [^2]: [Arkansas Yearly Climate Summary (2024)](https://www.weather.gov/lzk/2024.htm) — National Weather Service, Little Rock; Lines 159–174: annual tornado count, 30-year average, 2024 hail and severe-weather summary. Accessed 2026-09-28. [^3]: [The Ins and Outs of NFIP Commercial Coverage](https://agents.floodsmart.gov/articles/ins-and-outs-nfip-commercial-coverage) — Federal Emergency Management Agency, National Flood Insurance Program; November 2023; lines 9–14 and 16–35: commercial building/contents coverage, actual-cash-value basis and business-interruption exclusion. Accessed 2026-09-28. [^4]: [Arkansas Insurance Department](https://insurance.arkansas.gov/) — Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28. [^5]: [Licensing](https://insurance.arkansas.gov/industry-regulation/licensing/) — Arkansas Insurance Department; Licensing Division guidance and state-based systems lookup for Arkansas agent and agency licensees. Accessed 2026-09-28. [^6]: [File A Complaint](https://insurance.arkansas.gov/consumer-assistance/consumer-services/file-a-complaint/) — Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28. [^7]: [Surplus Lines Brokers Filing](https://insurance.arkansas.gov/industry-regulation/accounting/surplus-lines-brokers-filing/) — Arkansas Insurance Department; Current broker filing instructions state that 4% broker tax must be remitted. Accessed 2026-09-28. [^8]: [23 CAR § 201-104: Endorsement of contract](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=39&levelType=section&partID=889§ionID=37685&subChapterID=242&subPartID=5774&titleID=23) — Arkansas Code of Rules; Required surplus-lines contract disclosure: no Arkansas P&C Guaranty Act protection and 4% tax collected from insured. Accessed 2026-09-28. [^9]: [Property and Casualty Insurers](https://insurance.arkansas.gov/industry-regulation/product-compliance/property-casualty-insurers/) — Arkansas Insurance Department; Company Search verifies whether an insurer is licensed in Arkansas. Accessed 2026-09-28. [^10]: [15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8202+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/business-owners-policy/arkansas.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)