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Last-mile delivery insurance in Arkansas

Arkansas’s current official Code of Arkansas Rules requires public-liability/property-damage filing for motor carriers and separately requires common carriers of property by motor vehicle to file at least $5,000 cargo coverage. That common-carrier condition makes the actual service relationship important: confirm the classification with the state before treating the cargo filing as applicable. The statutory filing is not a valuation of each package. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Arkansas Requirements

RequirementDetails
Property-carrier liability filingThe Arkansas motor-carrier rule lists $50,000/$100,000/$30,000 liability/property-damage minimums on each vehicle transporting property; its $5,000 cargo filing is limited to common carriers. 1
Common-carrier cargo filing27 CAR § 110-1301(c) separately requires common carriers of property by motor vehicle to file at least $5,000 cargo insurance. 1

What to Watch for in Arkansas

  • Common and contract carriage differ

    Arkansas law says motor-carrier safety tools and practices do not change a property driver’s worker status, but it does not classify a particular driver. Document who employs or contracts with each driver and which vehicles are used. 2,1

  • Authority and proof must match

    The rule calls for liability proof for carriers by motor vehicle and states property-carrier minimums per vehicle. Reconcile legal operating entity, vehicle list and filing before dispatch. 1

  • Minimum filing is not load valuation

    The $5,000 cargo number is a filing floor for common carriers, not a valuation of any package or proof that loading, theft, unattended stops or handoff are covered. Compare peak vehicle loads, custody period and deductible. 1

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

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

No provider in Spot’s research documents both a state license record and 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.

Questions to Ask Before You Buy in Arkansas

  1. Is the operation common carriage, contract carriage or private own-account delivery, and what exception might apply?
  2. Does the insurer's proof meet the ARDOT filing and name?
  3. What is the highest single-vehicle shipment and covered transit period?
  4. Which employee, leased, rental and personal autos can be used?

Last-Mile Delivery in Arkansas: FAQ

Does every Arkansas courier need the $5,000 cargo filing? 1

No. The rule states the $5,000 cargo minimum for common carriers of property. The rule excerpt does not resolve how a particular delivery arrangement is classified, so confirm that status before treating the filing as applicable. 1

Does the liability endorsement pay for damaged packages? 1

No. Arkansas lists property-transport liability/property-damage amounts separately from common-carrier cargo filing. Quote cargo against shipment values and custody period. 1

Last-Mile Delivery in Other States

Other Coverage in Arkansas

Sources

  1. 27 CAR § 110-1301: Public liability and property damage endorsement. Arkansas Code of Rules; Subsections (a), (b)(1), (c): each property-transport vehicle’s liability filing/minimums and $5,000 cargo filing for common carriers; current official searchable rules database updated weekly. Accessed 2026-09-28.
  2. Arkansas Act 782 of 2019, Arkansas Code §23-13-101. Arkansas General Assembly; Section 1, pp.1–2: motor-carrier safety improvement deployment does not change worker status of property drivers acting as agent, employee, jointly employed employee, borrowed servant or independent contractor; approved Apr. 8, 2019. Accessed 2026-09-28.
  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. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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