--- title: "Arkansas Crime Insurance Guide" description: "Arkansas separates money transmitters’ surety obligations from its self-insured fidelity program for participating public entities; check which program and loss duties apply to your organization." canonical: "https://spot.insure/coverage/crime/arkansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/crime/arkansas) # Arkansas Crime Insurance Guide Arkansas money-transmission licensees must maintain a surety bond for specified money-handling obligations, while participating state, county, municipal, and school-district entities use a separate self-insured fidelity program for employee or official dishonesty losses. Confirm the entity, coverage period, and claim process before treating either safeguard as a substitute for a commercial crime policy.[^1][^2][^3] **Coverage:** [Crime](/coverage/crime) · [Arkansas](/coverage/states/arkansas) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## Arkansas Requirements | Requirement | Details | | --- | --- | | Licensed money transmitters | Act 557 amended Arkansas Code § 23-55-204, effective August 5, 2025. Applicants and licensees must provide and maintain a surety bond running to Arkansas for claimants, securing faithful performance of obligations to receive, handle, transmit, and pay money in connection with money transmission. The amount is the greater of $100,000 or 100% of average daily in-state money-transmission liability for the most recently completed three-month period, capped at $500,000; if tangible net worth exceeds 10% of total assets, the required bond is $100,000. For virtual-currency transmission, the commissioner may require additional security to address related cybersecurity risks inherent in the business model to the extent those risks are not within the required bond’s scope.[^1][^4] | | Participating public entities | For fiscal year 2027, the Arkansas Self-Insured Fidelity Bond Program states a $300,000 per-occurrence limit and $2,500 deductible. Coverage is limited to qualifying dishonest losses of participating public entities; the bulletin says covered funds must be audited under the policy’s audit section and claims must be submitted by Arkansas Legislative Audit.[^2][^3] | ## What to Watch for in Arkansas ### A money-transmitter bond secures regulatory obligations Treat the statutory bond as security for money-transmission obligations and claimants, not as a promise that your own employee-theft or social-engineering loss is insured. For virtual-currency transmission, the commissioner may require additional security for related cybersecurity risks not within the required bond’s scope. Ask your broker to identify first-party employee-dishonesty and payment-fraud coverage separately, with its own definitions, limits, exclusions, and conditions.[^1] ### Public-entity fidelity coverage depends on participation Arkansas’s Self-Insured Fidelity Bond Program covers actual losses caused by fraudulent or dishonest acts of employees or officials of participating state, county, municipal, and school-district entities. The FY 2027 bulletin lists a $300,000 per-occurrence limit and $2,500 deductible. Verify participation and review the policy’s terms before comparing the state program with another policy.[^2][^3] ### Audit and claim-routing rules affect public-entity coverage The current program policy says coverage does not apply if a participating entity has not met the required audit standard. The FY 2027 bulletin says proof of loss must be submitted by Arkansas Legislative Audit and independently conducted audits must be completed within 18 months after the fiscal year closes. Confirm audit compliance and the required claim route before relying on this program.[^3] ### The state program is not a general business policy The Arkansas Insurance Department describes this program for participating governmental entities. If your business is outside those categories, do not infer that it has state fidelity coverage; review your own policy and quote. If you are a participating public entity, ask whether the state program or a separately purchased policy responds first to each type of employee dishonesty loss.[^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.[^5][^6][^10][^7] - [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 **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.[^8][^9][^11] ## Providers With Documented State Licenses These providers publish a national listing for Crime; 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 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. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^13] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^14] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^18] ## Questions to Ask Before You Buy in Arkansas 1. If you are a licensed money transmitter, what does the surety bond secure, and what employee theft or impersonation-payment protection appears separately in your policy? 2. If your organization is a public entity, can the state confirm its participation and provide the current policy and fiscal-year coverage bulletin? 3. Does the public entity meet the policy’s audit requirements, and who must submit proof of loss to the Board? 4. What deductible, per-occurrence limit, employee or official cancellation notices, and other policy conditions apply this fiscal year? ## Crime in Arkansas: FAQ ### Does the Arkansas fidelity program cover every business in the state? The Insurance Department describes coverage for participating state, county, municipal, and school-district entities. A private business should not assume it is included; a public entity should verify participation and the current policy terms.[^2] ### What limit and deductible does Arkansas list for FY 2027? The FY 2027 Coverage Bulletin lists $300,000 per occurrence and a $2,500 per-occurrence deductible. Coverage is also subject to the program policy’s participation, audit, proof-of-loss, and other conditions.[^3] ### Does an Arkansas money-transmitter bond replace a crime policy? The statute describes the bond as security for money-transmission obligations and claimant protection. It does not establish the terms of a licensee’s separate crime policy, so compare covered people, property, fraud methods, and claim conditions directly.[^1] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Arkansas](/coverage/states/arkansas) ## Sources [^1]: [Act 557 of 2025 (HB 1467): To Amend the Uniform Money Services Act](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT557.pdf) — Arkansas General Assembly; Act 557 of 2025 (HB 1467), § 3, amending Ark. Code § 23-55-204(a)–(h): bond, scope, beneficiaries, formula/net-worth branch, consumer priority, cancellation and tail; signed Act has no emergency clause or specified effective date. The Arkansas BLR's 2025 legislative summary supplies the general effective date.. Accessed 2026-09-28. [^2]: [Fidelity Bond Program](https://insurance.arkansas.gov/state-services/risk-management/fidelity-bond-program/) — Arkansas Insurance Department, Risk Management Division; Program scope statement and links to the policy and FY 2027 Coverage Bulletin; states coverage is for actual losses through fraudulent or dishonest acts by employees or officials of participating state, county, municipal, and school-district entities. Accessed September 28, 2026.. Accessed 2026-09-28. [^3]: [Arkansas Self-Insured Fidelity Bond Program, Blanket Dishonesty Bond Policy FBTF16](https://insurance.arkansas.gov/documents/fidelity-bond-program/) — Arkansas Insurance Department, Risk Management Division; Policy effective July 1, 2023; §§ 1–3 coverage period and $300,000/$2,500 limit and deductible; § 6 audit condition; § 7 audit-submitted proof of loss; § 17 exclusions, including losses sustained by parties other than participating entities. FY 2027 Coverage Bulletin effective July 1, 2026 confirms the current limit, deductible, claim routing, and audit deadline.. Accessed 2026-09-28. [^4]: [Summary of General Legislation, May 2025](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2F2025%2F2025R%2FDocuments%2F2025+Summary+of+General+Legislation.pdf) — Arkansas Bureau of Legislative Research; Pages 178–179, Effective Date of Acts: for acts without an emergency clause or specified date, the summary states the 95th General Assembly’s general effective date as August 5, 2025; Act 557 has no emergency clause or specific date.. Accessed 2026-09-28. [^5]: [Arkansas Insurance Department](https://insurance.arkansas.gov/) — Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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](/editorial-policy). 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