--- title: "Liquor Liability in Arkansas" description: "Arkansas law recognizes narrow claims against retailers for knowing or reasonably foreseeable sales to minors or clearly intoxicated buyers, with a separate rule for social hosts." canonical: "https://spot.insure/coverage/liquor-liability/arkansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" coverage-line: "liquor-liability" state: "arkansas" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/liquor-liability/arkansas) ## Agent Guide **What this page is:** Liquor Liability guide for Arkansas: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering liquor liability questions specific to Arkansas. For the general concept, use /coverage/liquor-liability; for other coverage in Arkansas, use /coverage/states/arkansas. **Questions this page answers:** - Do I need liquor liability in Arkansas? - What are Arkansas's liquor liability requirements? - Who regulates insurance in Arkansas? - Which providers hold Arkansas licenses for liquor liability? **Key facts:** - State regulator: Arkansas Insurance Department. - Reported surplus-lines tax rate: 4% - 1 provider listed with Arkansas license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 16 numbered sources with access dates; updated 2026-09-28. **Related pages:** - [Liquor Liability (national guide)](https://spot.insure/coverage/liquor-liability) — national concept guide - [Business insurance in Arkansas](https://spot.insure/coverage/states/arkansas) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record # Liquor Liability in Arkansas Arkansas’s Act 1596 permits a jury to decide proximate cause when a retailer knowingly sells to a minor or sells when it reasonably should know the purchaser is clearly intoxicated and presents a clear danger to others. The Act supplies an affirmative defense for reasonable belief about intoxication or later driving and generally treats consumption, rather than furnishing, as the cause outside those exceptions.[^1][^2] **Coverage:** [Liquor liability](https://spot.insure/coverage/liquor-liability) · [Arkansas](https://spot.insure/coverage/states/arkansas) ## What Is Liquor Liability Insurance? Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. [Read the national Liquor liability guide](https://spot.insure/coverage/liquor-liability). ## What Should You Watch for With Liquor Liability Insurance in Arkansas? ### The intoxication standard is demanding For a retailer claim, the Act defines clear intoxication as obvious intoxication to the extent the buyer presents a clear danger to others at the time of sale; it is not a general negligence rule for every later injury.[^1] ### The retailer has a fact-specific affirmative defense A retailer can defend the clearly-intoxicated-sale claim by showing a reasonable belief that the person was not clearly intoxicated or would not drive while impaired; staff training and contemporaneous records may matter to the facts.[^1] ### Social-host treatment differs from retail service Act 1596 says that providing alcohol to someone legally allowed to possess it by a social host or other non-vendor-permit holder is not the proximate cause of later injury under the Act.[^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] - [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 in Arkansas **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] ## Which Liquor Liability Providers Have Arkansas License Records? These providers publish a national listing for Liquor liability; the license records below name the licensed entities and roles. 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](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** 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] **Coverage membership:** Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars. ## Questions to Ask Before You Buy Liquor Liability in Arkansas 1. Does the business qualify as an alcoholic-beverage retailer under Act 1596, or is the event hosted outside a vendor permit? 2. How does the application describe service, catering, delivery, and third-party events? 3. Which policy wording addresses allegations of service to a minor or a buyer whose intoxication was apparent? ## Liquor Liability Insurance in Arkansas: Frequently Asked Questions ### When can Arkansas law impose retailer liability for service to an adult? A jury may consider proximate cause if the retailer knowingly sells to someone clearly intoxicated, or should reasonably have known that person was clearly intoxicated and posed a clear danger to others.[^1] ### Does the civil liability statute replace alcohol-service rules? No. The state alcohol-control rules separately prohibit specified sales to people under 21 and intoxicated people; a regulatory violation and a civil claim are different questions.[^2] ## Liquor Liability Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/liquor-liability/alabama) - [Alaska](https://spot.insure/coverage/liquor-liability/alaska) - [Arizona](https://spot.insure/coverage/liquor-liability/arizona) - [California](https://spot.insure/coverage/liquor-liability/california) - [Colorado](https://spot.insure/coverage/liquor-liability/colorado) - [Connecticut](https://spot.insure/coverage/liquor-liability/connecticut) - [Delaware](https://spot.insure/coverage/liquor-liability/delaware) - [District of Columbia](https://spot.insure/coverage/liquor-liability/district-of-columbia) - [Florida](https://spot.insure/coverage/liquor-liability/florida) - [Georgia](https://spot.insure/coverage/liquor-liability/georgia) - [Hawaii](https://spot.insure/coverage/liquor-liability/hawaii) - [Idaho](https://spot.insure/coverage/liquor-liability/idaho) - [Illinois](https://spot.insure/coverage/liquor-liability/illinois) - [Indiana](https://spot.insure/coverage/liquor-liability/indiana) - [Iowa](https://spot.insure/coverage/liquor-liability/iowa) - [Kansas](https://spot.insure/coverage/liquor-liability/kansas) - [Kentucky](https://spot.insure/coverage/liquor-liability/kentucky) - [Louisiana](https://spot.insure/coverage/liquor-liability/louisiana) - [Maine](https://spot.insure/coverage/liquor-liability/maine) - [Maryland](https://spot.insure/coverage/liquor-liability/maryland) - [Massachusetts](https://spot.insure/coverage/liquor-liability/massachusetts) - [Michigan](https://spot.insure/coverage/liquor-liability/michigan) - [Minnesota](https://spot.insure/coverage/liquor-liability/minnesota) - [Mississippi](https://spot.insure/coverage/liquor-liability/mississippi) - [Missouri](https://spot.insure/coverage/liquor-liability/missouri) - [Montana](https://spot.insure/coverage/liquor-liability/montana) - [Nebraska](https://spot.insure/coverage/liquor-liability/nebraska) - [Nevada](https://spot.insure/coverage/liquor-liability/nevada) - [New Hampshire](https://spot.insure/coverage/liquor-liability/new-hampshire) - [New Jersey](https://spot.insure/coverage/liquor-liability/new-jersey) - [New Mexico](https://spot.insure/coverage/liquor-liability/new-mexico) - [New York](https://spot.insure/coverage/liquor-liability/new-york) - [North Carolina](https://spot.insure/coverage/liquor-liability/north-carolina) - [North Dakota](https://spot.insure/coverage/liquor-liability/north-dakota) - [Ohio](https://spot.insure/coverage/liquor-liability/ohio) - [Oklahoma](https://spot.insure/coverage/liquor-liability/oklahoma) - [Oregon](https://spot.insure/coverage/liquor-liability/oregon) - [Pennsylvania](https://spot.insure/coverage/liquor-liability/pennsylvania) - [Rhode Island](https://spot.insure/coverage/liquor-liability/rhode-island) - [South Carolina](https://spot.insure/coverage/liquor-liability/south-carolina) - [South Dakota](https://spot.insure/coverage/liquor-liability/south-dakota) - [Tennessee](https://spot.insure/coverage/liquor-liability/tennessee) - [Texas](https://spot.insure/coverage/liquor-liability/texas) - [Utah](https://spot.insure/coverage/liquor-liability/utah) - [Vermont](https://spot.insure/coverage/liquor-liability/vermont) - [Virginia](https://spot.insure/coverage/liquor-liability/virginia) - [Washington](https://spot.insure/coverage/liquor-liability/washington) - [West Virginia](https://spot.insure/coverage/liquor-liability/west-virginia) - [Wisconsin](https://spot.insure/coverage/liquor-liability/wisconsin) - [Wyoming](https://spot.insure/coverage/liquor-liability/wyoming) [Other Coverage in Arkansas](https://spot.insure/coverage/states/arkansas) ## Sources for Liquor Liability Insurance in Arkansas [^1]: [Arkansas Act 1596 of 1999](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F1999%2FPublic%2FACT1596.pdf) — Arkansas General Assembly; Sections 3–6; became law April 29, 1999. Accessed 2026-09-28. [^2]: [Arkansas Code of Arkansas Rules, Alcoholic Beverage Control rules](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=150&levelType=section&partID=1191§ionID=40459&subChapterID=193&subPartID=6227&titleID=3) — Arkansas Department of Finance and Administration / Alcoholic Beverage Control Division; Retail licensee rule on sales to persons under 21 and intoxicated persons. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/liquor-liability/arkansas.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)