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Commercial Auto Insurance in Arkansas

Arkansas carriers file separate liability and cargo proof; common carriers of property must file at least $5,000 in cargo insurance. The state hazmat schedule has three classes: $5 million and $1 million for specified loads on vehicles at least 10,000 pounds GVWR, plus a separate $5 million tier for specified interstate loads on vehicles under 10,000 pounds. These are carrier filings, not limits on a shipper’s policy for its goods. 1

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Arkansas Requirements

RequirementDetails
Motor vehicle used to transport property$50,000 per person / $100,000 per accident / $30,000 property damage 1
Common carrier cargo filingAt least $5,000, with cargo endorsement attached 1
§110-1301(b)(6)(A): listed hazardous freight, 10,000 lb GVWR or more$5,000,000 for-hire or private carriage in interstate, foreign, and/or intrastate commerce, for freight vehicles ≥10,000 lb GVWR transporting: hazardous substances in cargo/portable tanks or hopper vehicles over 3,500 water gallons; bulk Class A or B explosives, poison gas, or compressed gas; or highway route-controlled quantity radioactive material. 1
§110-1301(b)(6)(B): other listed hazardous freight, 10,000 lb GVWR or more$1,000,000 for-hire or private carriage in interstate/foreign commerce in any quantity, or intrastate commerce in bulk only, for freight vehicles ≥10,000 lb GVWR carrying listed oil or listed hazardous waste/material/substance not in schedules (A) or (C). 1
§110-1301(b)(6)(C): listed high-risk freight under 10,000 lb GVWR$5,000,000 for-hire or private carriage in interstate commerce using freight vehicles under 10,000 lb GVWR for any quantity of Class A or B explosives, Poison A gas, or highway route-controlled quantity radioactive material. 1

What to Watch for in Arkansas

  • Property Carriers Use A 50/100/30 Schedule

    The Arkansas carrier rule sets $50,000 for injury to one person, $100,000 for injury to all people in one accident, and $30,000 for damage to others’ property on each motor vehicle used in the transportation of property. Match each property-transport unit to this state filing schedule. 1

  • Common Carriers File Cargo Separately

    The same rule requires common carriers of property by motor vehicle to file at least $5,000 in cargo insurance with an attached cargo endorsement. Confirm the filing includes that endorsement as well as the liability schedule. 1

  • Match Hazmat Loads to All Three State Schedules

    For-hire and private vehicles at 10,000 lb GVWR or more fall under schedule (A) at $5 million for specified tank, bulk, and HRCQ radioactive loads, or (B) at $1 million for other listed oil and hazardous goods (interstate/foreign any quantity; intrastate bulk only). Schedule (C) sets $5 million for any quantity of listed explosives, Poison A gas, or HRCQ radioactive material carried for-hire or privately in interstate commerce on a freight vehicle under 10,000 lb GVWR; match route, cargo, handling, and vehicle before identifying the filing. 1

  • Passenger Limits Rise With Seating Capacity

    The carrier rule sets different bodily-injury limits for passenger vehicles at 12 seats or fewer, 13–20, 21–30, and 31 or more; each schedule also includes $30,000 property damage. If you use shuttles or buses, check the rated seating capacity against the correct row. 1

  • Interstate Routes Add A Separate Federal Liability Floor

    49 C.F.R. §387.9 sets $750,000 for nonhazardous property carried for-hire in interstate or foreign commerce on vehicles with GVWR of at least 10,001 pounds. Part 387 also covers specified hazardous operations; §387.3 generally excludes vehicles below 10,001 pounds except listed high-risk interstate/foreign hazardous classes, and excludes intrastate nonbulk hazardous transport except highway route-controlled quantity Class 7. Map the actual carriage, route, GVWR, and commodity to both the federal and Arkansas schedules; neither is a limit on your goods policy. 1,2,3

  • The Posted Arkansas Rule May Lag New Rulemaking

    The official Code of Arkansas Rules says its weekly codification may not reflect recent rulemaking and directs readers to the responsible agency for updates. The text reviewed here is the posted version effective January 1, 2025; confirm the current filing schedule before relying on it for a carrier permit. 1

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

Surplus-lines tax and stamping office

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

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Arkansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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

Questions to Ask Before You Buy in Arkansas

  1. Does this carrier need the Arkansas property schedule, the common-carrier cargo endorsement, or both for this operation?
  2. Which exact §110-1301(b)(6) hazmat class applies to our route, carriage type, listed commodity/handling, and GVWR: (A), (B), or (C)?
  3. For each interstate vehicle and cargo class, which federal Part 387 financial-responsibility provision applies in addition to Arkansas’s schedule?
  4. Has the Arkansas carrier agency made a later rule change to the posted §110-1301 filing schedule?

Commercial Auto in Arkansas: FAQ

What liability limits does Arkansas require for a commercial property carrier? 1

The posted Arkansas schedule is $50,000 per person, $100,000 per accident, and $30,000 for property damage on each motor vehicle used to transport property. The Code page warns that its weekly codification may not reflect recent rulemaking, so confirm the current filing schedule with the responsible agency. 1

Do Arkansas motor carriers need cargo insurance? 1

The posted rule requires all common carriers of property by motor vehicle to file at least $5,000 in cargo insurance with an attached cargo endorsement. It is a carrier filing, not the shipment value limit on your own goods policy. 1

How much liability does an Arkansas hazmat carrier need? 1

The posted rule has three schedules: (A) $5 million for specified for-hire or private loads on vehicles at least 10,000 lb GVWR in interstate, foreign, and/or intrastate commerce; (B) $1 million for other listed loads on vehicles at least 10,000 lb GVWR in interstate/foreign commerce in any quantity or intrastate commerce in bulk only; and (C) $5 million for specified high-risk loads in interstate commerce on vehicles under 10,000 lb GVWR. The exact cargo, handling, carriage type, route, and GVWR determine the row; the Code page warns its codification may lag rulemaking. 1

Does Arkansas’s carrier limit satisfy the federal interstate minimum? 1,2,3

Not for every operation. Under 49 C.F.R. §387.9, the $750,000 row is for-hire interstate/foreign nonhazardous property transport at GVWR of at least 10,001 pounds; §387.3 separately defines Part 387 scope and exceptions for small vehicles and intrastate nonbulk hazardous transport. Compare the actual route, carriage type, GVWR, and commodity to both schedules. 1,2,3

Commercial Auto in Other States

Other Coverage in Arkansas

Sources

  1. 27 CAR § 110-1301, Public Liability and Property Damage Endorsement. Code of Arkansas Rules; § 110-1301(a)(1), (b)(6)(A)–(C): hazardous-material/hazardous-waste limits; § 110-1301(b)(1) and (c). Accessed 2026-09-28.
  2. 49 C.F.R. § 387.3 — Applicability. Electronic Code of Federal Regulations (eCFR); §387.3(a)–(c): for-hire interstate/foreign property-carrier scope; hazardous transport scope; under-10,001-GVWR and intrastate nonbulk exceptions. eCFR Title 49 current through 2026-09-24; last amended 2026-09-17. Accessed 2026-09-28.
  3. 49 C.F.R. § 387.9 — Financial responsibility, minimum levels. Electronic Code of Federal Regulations (eCFR); Table 1, row 1: for-hire interstate/foreign nonhazardous property transport at GVWR ≥10,001 lb ($750,000); Title 49 current through 2026-09-24, last amended 2026-09-17. Accessed 2026-09-28.
  4. Arkansas Insurance Department. Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28.
  5. 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. Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28.
  7. 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. 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. 15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. 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.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. 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.
  12. Insurance Producer 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.
  13. About Hiscox US 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.
  14. 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.
  15. Insurance Licenses by State. 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.
  16. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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