--- title: "Commercial Property Insurance in Arkansas" description: "Arkansas’s 2025 state disaster-recovery plan identifies hail, straight-line wind and lightning among severe-storm hazards affecting structures statewide; it records 359 hailstorms in Benton County from 1956–2021." canonical: "https://spot.insure/coverage/commercial-property/arkansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" coverage-line: "commercial-property" 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/commercial-property/arkansas) ## Agent Guide **What this page is:** Commercial Property guide for Arkansas: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering commercial property questions specific to Arkansas. For the general concept, use /coverage/commercial-property; for other coverage in Arkansas, use /coverage/states/arkansas. **Questions this page answers:** - Do I need commercial property in Arkansas? - What are Arkansas's commercial property requirements? - Who regulates insurance in Arkansas? - Which providers hold Arkansas licenses for commercial property? **Key facts:** - State regulator: Arkansas Insurance Department. - Reported surplus-lines tax rate: 4% - 3 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:** 16 numbered sources with access dates; updated 2026-09-28. **Related pages:** - [Commercial Property (national guide)](https://spot.insure/coverage/commercial-property) — 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 - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) — provider with state license record - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) — provider with state license record - [Vouch](https://spot.insure/insurance-providers/vouch) — provider with state license record # What Commercial Property Insurance Requirements Apply in Arkansas? Arkansas’s 2025 state disaster-recovery plan identifies hail, straight-line wind and lightning among severe-storm hazards affecting structures statewide; it records 359 hailstorms in Benton County from 1956–2021. Ask how the specific policy handles roof, hail, wind and lightning losses rather than treating hazard history as a coverage promise.[^1][^2] **Coverage:** [Commercial property](https://spot.insure/coverage/commercial-property) · [Arkansas](https://spot.insure/coverage/states/arkansas) ## What Is Commercial Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [Read the national Commercial property guide](https://spot.insure/coverage/commercial-property). ## What to Watch for With Commercial Property in Arkansas ### Compare Hail, Wind and Lightning Terms Arkansas’s 2025 CDBG-DR plan says structures and contents statewide can be affected by thunderstorm winds and identifies hail and lightning as severe-storm hazards. Ask for roof settlement terms, wind/hail deductibles and any cosmetic-damage limitation in the quoted forms.[^1] ### Use Local Hail History for Benton County The state plan reports 359 hailstorms in Benton County between 1956 and 2021 and $3.966 million in reported property damage. That is historical county data, not a statewide forecast; for a Benton County site, compare its roof and equipment schedule with the quote’s hail terms.[^1] ### Check Wind and Debris Claim Treatment The National Weather Service counted 52 tornadoes in Arkansas during 2024 and recorded five related deaths. Ask how the policy defines windstorm, applies any named-storm or wind deductible, and handles debris removal after a tornado.[^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.[^3][^4][^8][^5] - [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.[^6][^7][^9] ## Which Commercial Property Providers Have Arkansas License Records? These providers publish a national listing for Commercial property; 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. - [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.[^14] **Coverage membership:** ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations. - [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.[^15] **Coverage membership:** TechInsurance arranges commercial property insurance for small businesses. - [Vouch](https://spot.insure/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] **Coverage membership:** As of September 16, 2026, Vouch lists business property for health care and life sciences programs. ## Questions to Ask Before You Buy Commercial Property in Arkansas 1. What wind, hail and tornado deductibles apply to this location and roof? 2. Does the quote limit payment for cosmetic hail damage or older roofing materials? 3. Are debris removal and business-income losses addressed after a covered severe storm? ## Commercial Property Insurance in Arkansas: Frequently Asked Questions ### How much hail has Benton County seen in Arkansas? Arkansas’s 2025 disaster-recovery plan records 359 hailstorms in Benton County from 1956 through 2021. That historical count does not predict an individual property loss; review the roof and equipment terms in your quote.[^1] ### How many tornadoes were recorded in Arkansas in 2024? The National Weather Service recorded 52 tornadoes and five related deaths in Arkansas during 2024. Ask separately how your policy applies wind deductibles and debris-removal terms.[^2] ## Commercial Property Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/commercial-property/alabama) - [Alaska](https://spot.insure/coverage/commercial-property/alaska) - [Arizona](https://spot.insure/coverage/commercial-property/arizona) - [California](https://spot.insure/coverage/commercial-property/california) - [Colorado](https://spot.insure/coverage/commercial-property/colorado) - [Connecticut](https://spot.insure/coverage/commercial-property/connecticut) - [Delaware](https://spot.insure/coverage/commercial-property/delaware) - [District of Columbia](https://spot.insure/coverage/commercial-property/district-of-columbia) - [Florida](https://spot.insure/coverage/commercial-property/florida) - [Georgia](https://spot.insure/coverage/commercial-property/georgia) - [Hawaii](https://spot.insure/coverage/commercial-property/hawaii) - [Idaho](https://spot.insure/coverage/commercial-property/idaho) - [Illinois](https://spot.insure/coverage/commercial-property/illinois) - [Indiana](https://spot.insure/coverage/commercial-property/indiana) - [Iowa](https://spot.insure/coverage/commercial-property/iowa) - [Kansas](https://spot.insure/coverage/commercial-property/kansas) - [Kentucky](https://spot.insure/coverage/commercial-property/kentucky) - [Louisiana](https://spot.insure/coverage/commercial-property/louisiana) - [Maine](https://spot.insure/coverage/commercial-property/maine) - [Maryland](https://spot.insure/coverage/commercial-property/maryland) - [Massachusetts](https://spot.insure/coverage/commercial-property/massachusetts) - [Michigan](https://spot.insure/coverage/commercial-property/michigan) - [Minnesota](https://spot.insure/coverage/commercial-property/minnesota) - [Mississippi](https://spot.insure/coverage/commercial-property/mississippi) - [Missouri](https://spot.insure/coverage/commercial-property/missouri) - [Montana](https://spot.insure/coverage/commercial-property/montana) - [Nebraska](https://spot.insure/coverage/commercial-property/nebraska) - [Nevada](https://spot.insure/coverage/commercial-property/nevada) - [New Hampshire](https://spot.insure/coverage/commercial-property/new-hampshire) - [New Jersey](https://spot.insure/coverage/commercial-property/new-jersey) - [New Mexico](https://spot.insure/coverage/commercial-property/new-mexico) - [New York](https://spot.insure/coverage/commercial-property/new-york) - [North Carolina](https://spot.insure/coverage/commercial-property/north-carolina) - [North Dakota](https://spot.insure/coverage/commercial-property/north-dakota) - [Ohio](https://spot.insure/coverage/commercial-property/ohio) - [Oklahoma](https://spot.insure/coverage/commercial-property/oklahoma) - [Oregon](https://spot.insure/coverage/commercial-property/oregon) - [Pennsylvania](https://spot.insure/coverage/commercial-property/pennsylvania) - [Rhode Island](https://spot.insure/coverage/commercial-property/rhode-island) - [South Carolina](https://spot.insure/coverage/commercial-property/south-carolina) - [South Dakota](https://spot.insure/coverage/commercial-property/south-dakota) - [Tennessee](https://spot.insure/coverage/commercial-property/tennessee) - [Texas](https://spot.insure/coverage/commercial-property/texas) - [Utah](https://spot.insure/coverage/commercial-property/utah) - [Vermont](https://spot.insure/coverage/commercial-property/vermont) - [Virginia](https://spot.insure/coverage/commercial-property/virginia) - [Washington](https://spot.insure/coverage/commercial-property/washington) - [West Virginia](https://spot.insure/coverage/commercial-property/west-virginia) - [Wisconsin](https://spot.insure/coverage/commercial-property/wisconsin) - [Wyoming](https://spot.insure/coverage/commercial-property/wyoming) [Other Coverage in Arkansas](https://spot.insure/coverage/states/arkansas) ## Sources for Commercial Property Insurance in Arkansas [^1]: [2025 CDBG-DR Action Plan](https://adfa.arkansas.gov/wp-content/uploads/2026/01/2025-CDBG-DR-Action-Plan.pdf) — Arkansas Development Finance Authority; §4.5, pp. 39–50, severe-storm profile and Benton County hail record. Accessed 2026-09-28. [^2]: [Severe Weather in Arkansas: Tornadoes and Deaths Since 1950](https://www.weather.gov/lzk/svrbro9.htm) — National Weather Service Little Rock; 2024 annual tornado and fatality statistics, lines 145–155. Accessed 2026-09-28. [^3]: [Arkansas Insurance Department](https://insurance.arkansas.gov/) — Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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/commercial-property/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)