--- title: "Arkansas Fidelity Bond Program for Public Entities" description: "Arkansas public entities should confirm program participation, audit eligibility, the per-occurrence retention, and who may report a loss." canonical: "https://spot.insure/coverage/fidelity-bonds/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/fidelity-bonds/arkansas) # Arkansas Fidelity Bond Program for Public Entities Arkansas state agencies, counties, municipalities, and school districts can review the state’s self-insured fidelity program, but the FY 2027 bulletin limits it to participating governmental entities and audited funds. The current bulletin states a $300,000 per-occurrence limit and $2,500 deductible; separate private-business crime coverage requires its own placement.[^1][^3][^2] **Coverage:** [Fidelity bonds](/coverage/fidelity-bonds) · [Arkansas](/coverage/states/arkansas) ## What Is Fidelity Bonds? Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [Read the national Fidelity bonds guide](/coverage/fidelity-bonds). ## Arkansas Requirements | Requirement | Details | | --- | --- | | Eligible class | The program is for participating state, county, municipal, and school-district entities; an ordinary private business is not shown as an eligible participant.[^1][^2][^3] | ## What to Watch for in Arkansas ### Verify your entity and participation first The Arkansas program is a state self-insured arrangement for participating governmental entities, not an off-the-shelf policy for all employers. Before treating it as your protection, obtain the entity’s current certificate or confirmation of participation and confirm that each unit and employee is included.[^1][^3][^2] ### Audit compliance is a coverage condition Policy FBTF16 limits protection to participating entities with required audits, and the FY 2027 bulletin says only funds audited under the policy qualify. If an independent audit is used instead of Arkansas Legislative Audit, it must be completed within 18 months after the fiscal-year close.[^2][^3] ### The limit and loss process are narrower than a business crime quote The current bulletin lists $300,000 per occurrence and a $2,500 deductible. Arkansas Legislative Audit submits proof of loss to the Board; the policy limits property categories and excludes losses sustained by parties other than participating entities. Ask separately about client property, volunteers, and non-governmental affiliates.[^2][^3] ### A public plan and a private ERISA plan are different exposures For private-sector ERISA plan assets, apply the federal plan-official bonding rule separately; the Arkansas governmental program does not establish protection for private employer benefit-plan assets.[^4] ## 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 Fidelity bonds; 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. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^17] - [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. Is this state agency, county, municipality, school district, and each component formally included as a participating entity? 2. Which funds have been audited, by whom, and by what deadline for the fiscal year tied to the loss? 3. Who can submit proof of loss, what is the discovery/reporting window, and does the incident meet the policy’s criminal-act and property definitions? 4. What separate commercial crime or ERISA-plan protection is needed for private affiliates, clients, or plan assets outside this program? ## Fidelity Bonds in Arkansas: FAQ ### Can a private Arkansas company enroll in the state program? The Department describes the program as covering participating state, county, municipal, and school-district entities. Its current bulletin is directed to those classes; a private company should seek its own policy rather than infer eligibility.[^1][^3] ### Does the $300,000 limit apply to every loss without conditions? No. The FY 2027 bulletin states the limit and deductible, while the policy conditions recovery on participation, covered dishonest acts, and audit compliance, and narrows some property and claimant categories.[^3][^2] ## Fidelity Bonds in Other States - [Alabama](/coverage/fidelity-bonds/alabama) - [Alaska](/coverage/fidelity-bonds/alaska) - [Arizona](/coverage/fidelity-bonds/arizona) - [California](/coverage/fidelity-bonds/california) - [Colorado](/coverage/fidelity-bonds/colorado) - [Connecticut](/coverage/fidelity-bonds/connecticut) - [Delaware](/coverage/fidelity-bonds/delaware) - [District of Columbia](/coverage/fidelity-bonds/district-of-columbia) - [Florida](/coverage/fidelity-bonds/florida) - [Georgia](/coverage/fidelity-bonds/georgia) - [Hawaii](/coverage/fidelity-bonds/hawaii) - [Idaho](/coverage/fidelity-bonds/idaho) - [Illinois](/coverage/fidelity-bonds/illinois) - [Indiana](/coverage/fidelity-bonds/indiana) - [Iowa](/coverage/fidelity-bonds/iowa) - [Kansas](/coverage/fidelity-bonds/kansas) - [Kentucky](/coverage/fidelity-bonds/kentucky) - [Louisiana](/coverage/fidelity-bonds/louisiana) - [Maine](/coverage/fidelity-bonds/maine) - [Maryland](/coverage/fidelity-bonds/maryland) - [Massachusetts](/coverage/fidelity-bonds/massachusetts) - [Michigan](/coverage/fidelity-bonds/michigan) - [Minnesota](/coverage/fidelity-bonds/minnesota) - [Mississippi](/coverage/fidelity-bonds/mississippi) - [Missouri](/coverage/fidelity-bonds/missouri) - [Montana](/coverage/fidelity-bonds/montana) - [Nebraska](/coverage/fidelity-bonds/nebraska) - [Nevada](/coverage/fidelity-bonds/nevada) - [New Hampshire](/coverage/fidelity-bonds/new-hampshire) - [New Jersey](/coverage/fidelity-bonds/new-jersey) - [New Mexico](/coverage/fidelity-bonds/new-mexico) - [New York](/coverage/fidelity-bonds/new-york) - [North Carolina](/coverage/fidelity-bonds/north-carolina) - [North Dakota](/coverage/fidelity-bonds/north-dakota) - [Ohio](/coverage/fidelity-bonds/ohio) - [Oklahoma](/coverage/fidelity-bonds/oklahoma) - [Oregon](/coverage/fidelity-bonds/oregon) - [Pennsylvania](/coverage/fidelity-bonds/pennsylvania) - [Rhode Island](/coverage/fidelity-bonds/rhode-island) - [South Carolina](/coverage/fidelity-bonds/south-carolina) - [South Dakota](/coverage/fidelity-bonds/south-dakota) - [Tennessee](/coverage/fidelity-bonds/tennessee) - [Texas](/coverage/fidelity-bonds/texas) - [Utah](/coverage/fidelity-bonds/utah) - [Vermont](/coverage/fidelity-bonds/vermont) - [Virginia](/coverage/fidelity-bonds/virginia) - [Washington](/coverage/fidelity-bonds/washington) - [West Virginia](/coverage/fidelity-bonds/west-virginia) - [Wisconsin](/coverage/fidelity-bonds/wisconsin) - [Wyoming](/coverage/fidelity-bonds/wyoming) [Other Coverage in Arkansas](/coverage/states/arkansas) ## Sources [^1]: [Fidelity Bond Program](https://insurance.arkansas.gov/state-services/risk-management/fidelity-bond-program/) — Arkansas Insurance Department, Risk Management Division; Program overview and links: program covers actual losses from dishonest acts by employees/officials of participating state, county, municipal, and school-district entities. Accessed 2026-09-28. [^2]: [Self-Insured Fidelity Bond Program, Policy FBTF16](https://insurance.arkansas.gov/documents/fidelity-bond-program/) — Arkansas Insurance Department / Governmental Bonding Board; Policy effective July 1, 2023; sections 1-18, including covered participants, limit/deductible, audit condition, loss reporting, property and claimant exclusions. Accessed 2026-09-28. [^3]: [FY 2027 Fidelity Bond Program Coverage Bulletin](https://insurance.arkansas.gov/documents/fy-2027-fidelity-bond-program-coverage-bulletin/) — Arkansas Insurance Department, Risk Management Division; Issued July 1, 2026; policy limit, deductible, audited-funds restriction, proof of loss and 18-month independent-audit deadline. Accessed 2026-09-28. [^4]: [29 U.S.C. § 1112, Bonding](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title29-section1112) — Office of the Law Revision Counsel, U.S. House of Representatives; Subsections (a)-(e), current preliminary edition text. 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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