--- title: "Arkansas Hired and Non-Owned Auto Coverage" description: "What Arkansas’s two-part vehicle and operator insurance requirement means for business driving." canonical: "https://spot.insure/coverage/hired-non-owned-auto/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/hired-non-owned-auto/arkansas) # Arkansas Hired and Non-Owned Auto Coverage Arkansas requires both the motor vehicle and the person’s operation of it to be covered by qualifying insurance or self-insurance. When employees use their own cars or rentals for work, ask how the vehicle and operator requirements apply to that trip; the statute does not say that an employer’s HNOA policy automatically satisfies both.[^1][^2] **Coverage:** [Hired and non-owned auto](/coverage/hired-non-owned-auto) · [Arkansas](/coverage/states/arkansas) ## What Is Hired And Non-Owned Auto? Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [Read the national Hired and non-owned auto guide](/coverage/hired-non-owned-auto). ## Arkansas Requirements | Requirement | Details | | --- | --- | | Vehicle and operator coverage | Arkansas law makes it unlawful to operate a motor vehicle unless both the vehicle and the person’s operation are covered by qualifying insurance or self-insurance.[^1][^2] | ## What to Watch for in Arkansas ### Check both the vehicle and the driver’s operation Arkansas’s statute names two things that must each be covered: the motor vehicle and the person’s operation. Do not assume a business HNOA endorsement, a rental agreement, or an employee’s policy satisfies the rule without checking the actual policy documents.[^1] ### Ask which policy is intended to cover the driver The Arkansas act refers to both owner’s and operator’s motor vehicle liability policies in the financial-responsibility framework. If staff drive a vehicle they do not own, ask your broker to identify the applicable policy and its business-use terms.[^1] ### Confirm the insurer’s Arkansas eligibility Act 345 of 2025 amended Arkansas’s financial-responsibility statutes to recognize insurance companies authorized or eligible to do business in the state. If a proposed policy is surplus-lines coverage, have the broker confirm the carrier’s eligibility and how the policy meets the applicable requirements.[^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.[^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 **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] ## Providers With Documented State Licenses These providers publish a national listing for Hired and non-owned 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 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](/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.[^12] ## Questions to Ask Before You Buy in Arkansas 1. Which policy is intended to cover the vehicle and which policy is intended to cover the employee’s operation when staff drive a personal or rented car for work? 2. How does the policy address business use, and what limits or exclusions apply to employees using their own vehicles? 3. If the proposed policy is placed with a surplus-lines insurer, is that company eligible to write the coverage for this Arkansas risk? ## Hired And Non-Owned Auto in Arkansas: FAQ ### Does Arkansas require coverage for both the vehicle and its driver? Arkansas Code § 27-22-104(a)(1), as amended by Act 345 of 2025, says both the motor vehicle and the person’s operation must be covered by qualifying insurance or self-insurance.[^1] ### Does the two-part rule mean an HNOA policy automatically satisfies Arkansas insurance law? No. The statute states the vehicle and operator requirements but does not determine whether a particular employer policy, employee policy, or rental agreement satisfies them. Ask the broker to identify the applicable policy for your actual use.[^1][^2] ## Hired And Non-Owned Auto in Other States - [Alabama](/coverage/hired-non-owned-auto/alabama) - [Alaska](/coverage/hired-non-owned-auto/alaska) - [Arizona](/coverage/hired-non-owned-auto/arizona) - [California](/coverage/hired-non-owned-auto/california) - [Colorado](/coverage/hired-non-owned-auto/colorado) - [Connecticut](/coverage/hired-non-owned-auto/connecticut) - [Delaware](/coverage/hired-non-owned-auto/delaware) - [District of Columbia](/coverage/hired-non-owned-auto/district-of-columbia) - [Florida](/coverage/hired-non-owned-auto/florida) - [Georgia](/coverage/hired-non-owned-auto/georgia) - [Hawaii](/coverage/hired-non-owned-auto/hawaii) - [Idaho](/coverage/hired-non-owned-auto/idaho) - [Illinois](/coverage/hired-non-owned-auto/illinois) - [Indiana](/coverage/hired-non-owned-auto/indiana) - [Iowa](/coverage/hired-non-owned-auto/iowa) - [Kansas](/coverage/hired-non-owned-auto/kansas) - [Kentucky](/coverage/hired-non-owned-auto/kentucky) - [Louisiana](/coverage/hired-non-owned-auto/louisiana) - [Maine](/coverage/hired-non-owned-auto/maine) - [Maryland](/coverage/hired-non-owned-auto/maryland) - [Massachusetts](/coverage/hired-non-owned-auto/massachusetts) - [Michigan](/coverage/hired-non-owned-auto/michigan) - [Minnesota](/coverage/hired-non-owned-auto/minnesota) - [Mississippi](/coverage/hired-non-owned-auto/mississippi) - [Missouri](/coverage/hired-non-owned-auto/missouri) - [Montana](/coverage/hired-non-owned-auto/montana) - [Nebraska](/coverage/hired-non-owned-auto/nebraska) - [Nevada](/coverage/hired-non-owned-auto/nevada) - [New Hampshire](/coverage/hired-non-owned-auto/new-hampshire) - [New Jersey](/coverage/hired-non-owned-auto/new-jersey) - [New Mexico](/coverage/hired-non-owned-auto/new-mexico) - [New York](/coverage/hired-non-owned-auto/new-york) - [North Carolina](/coverage/hired-non-owned-auto/north-carolina) - [North Dakota](/coverage/hired-non-owned-auto/north-dakota) - [Ohio](/coverage/hired-non-owned-auto/ohio) - [Oklahoma](/coverage/hired-non-owned-auto/oklahoma) - [Oregon](/coverage/hired-non-owned-auto/oregon) - [Pennsylvania](/coverage/hired-non-owned-auto/pennsylvania) - [Rhode Island](/coverage/hired-non-owned-auto/rhode-island) - [South Carolina](/coverage/hired-non-owned-auto/south-carolina) - [South Dakota](/coverage/hired-non-owned-auto/south-dakota) - [Tennessee](/coverage/hired-non-owned-auto/tennessee) - [Texas](/coverage/hired-non-owned-auto/texas) - [Utah](/coverage/hired-non-owned-auto/utah) - [Vermont](/coverage/hired-non-owned-auto/vermont) - [Virginia](/coverage/hired-non-owned-auto/virginia) - [Washington](/coverage/hired-non-owned-auto/washington) - [West Virginia](/coverage/hired-non-owned-auto/west-virginia) - [Wisconsin](/coverage/hired-non-owned-auto/wisconsin) - [Wyoming](/coverage/hired-non-owned-auto/wyoming) [Other Coverage in Arkansas](/coverage/states/arkansas) ## Sources [^1]: [Act 345 of 2025, Senate Bill 276](https://www.arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025/2025R&file=345.pdf&path=/ACTS/2025R/Public/) — Arkansas General Assembly; Approved March 20, 2025; §§ 1–4 amend Ark. Code §§ 27-19-605, 27-19-712, 27-19-713, and 27-22-104; § 4 states that both vehicle and operation must be covered. Accessed 2026-09-28. [^2]: [Arkansas Acts, 2025 Regular Session, Acts 341–360](https://www.arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2025/2025R&start=340) — Arkansas General Assembly; Act 345 entry: confirms Senate Bill 276 and purpose to clarify that surplus-lines insurance is acceptable for motor-vehicle financial responsibility. 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](/editorial-policy). 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