What Intellectual Property Insurance Requirements Apply in Arkansas?

Arkansas expanded its publicity statute in 2025 to cover AI-generated images and likenesses used without consent. If your business uses synthetic endorsements or promotional avatars, map that exposure before setting IP defense limits.

What Is Intellectual Property Insurance?

Intellectual property insurance comes in two separate parts: defense, when you're accused of infringing a patent, trademark or copyright, and enforcement, when you pursue someone who copied yours. A defense-only quote doesn't pay for your own lawsuit, so ask for each part you need. Read the national Intellectual property guide.

What to Watch for With Intellectual Property in Arkansas

Match the State Rule to Your Coverage
Arkansas expanded its publicity statute in 2025 to cover AI-generated images and likenesses used without consent. If your business uses synthetic endorsements or promotional avatars, map that exposure before setting IP defense limits. ¹
Plan for the State Remedy
Arkansas Act 159 addresses unauthorized commercial use of a person’s likeness, including AI-generated depictions. Ask whether the policy’s covered-IP definition and exclusions address publicity and personality-right claims, which are not patent or trade-secret suits. ¹
Check the Policy Against the Claim
Arkansas Act 159 reaches AI-generated images and likenesses in commercial use. Keep evidence of consent for synthetic spokespeople and ask who can approve a campaign takedown if a likeness claim arrives. ¹

Which Intellectual Property Providers Have Arkansas License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: 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 ^6,^7,⁹

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.

Questions to Ask Before You Buy Intellectual Property in Arkansas

Does the policy cover publicity-right claims involving advertising used in Arkansas?
Are synthetic, archival, or postmortem likeness uses addressed by the coverage?
What consent and license records should we give the broker for campaign materials?

Intellectual Property Insurance in Arkansas: FAQ

Does Arkansas law protect commercial use of a person’s identity?

Yes. Arkansas Act 159 of 2025 expanded state protections to cover AI-generated images and likenesses used commercially without consent. Check campaign permissions and ask whether publicity claims are within the policy. ¹

How should I handle a suspected intellectual-property claim in Arkansas?

Notify the insurer promptly and preserve the first demand, access logs, agreements, and discovery date. Arkansas requires actual in-state use to register a state trademark. Keep dated specimens of how customers encounter each mark and ask whether brand enforcement costs are within the policy’s insured claim types. The federal Defend Trade Secrets Act is a separate claim with its own filing period. ^1,²

Sources for Intellectual Property Insurance in Arkansas

1
Arkansas Act 159 of 2025, AI-Generated Replicas Amendment to Publicity Rights Act. Arkansas General Assembly; Act 159, amending Ark. Code §§ 4-75-1103 and -1104 to cover AI-generated image/likeness and unauthorized commercial use. Accessed 2026-09-29.
2
18 U.S.C. § 1836, Civil Proceedings. Office of the Law Revision Counsel, U.S. House of Representatives; § 1836(b)(1), (3): federal civil action, injunction, and damages for qualifying trade secret misappropriation. Accessed 2026-09-29.
3
Arkansas Insurance Department. Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28.
4
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. Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28.
6
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. 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. 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. 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.

What Intellectual Property Insurance Requirements Apply in Arkansas?

What Is Intellectual Property Insurance?

What to Watch for With Intellectual Property in Arkansas

Match the State Rule to Your Coverage

Plan for the State Remedy

Check the Policy Against the Claim