--- title: "Arkansas Management Liability Insurance" description: "Compare Arkansas employment-law exposure and company indemnification duties with D&O and EPL policy terms." canonical: "https://spot.insure/coverage/management-liability/arkansas" page-type: "coverage-state-guide" updated-at: "2026-10-16" coverage-line: "management-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/management-liability/arkansas) ## Agent Guide **What this page is:** Management Liability guide for Arkansas: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering management liability questions specific to Arkansas. For the general concept, use /coverage/management-liability; for other coverage in Arkansas, use /coverage/states/arkansas. **Questions this page answers:** - Do I need management liability in Arkansas? - What are Arkansas's management liability requirements? - Who regulates insurance in Arkansas? - Which providers hold Arkansas licenses for management liability? **Key facts:** - State regulator: Arkansas Insurance Department. - Reported surplus-lines tax rate: 4% - 0 providers 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:** 20 numbered sources with access dates; updated 2026-10-16. **Related pages:** - [Management Liability (national guide)](https://spot.insure/coverage/management-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 # Arkansas Management Liability Insurance For Arkansas businesses, the state civil-rights law starts at nine employees and treats natural, protective, or cultural hairstyles as part of race and national-origin discrimination. Arkansas’s business-corporation charter exculpation does not erase liability to third parties, and its statute preserves director duties involving loyalty, bad faith, unlawful distributions, and improper personal benefits.[^3][^4][^1][^2] **Coverage:** [Management liability](https://spot.insure/coverage/management-liability) · [Arkansas](https://spot.insure/coverage/states/arkansas) ## What Is Management Liability Insurance? Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [Read the national Management liability guide](https://spot.insure/coverage/management-liability). ## What to Watch for With Management Liability in Arkansas ### Include hairstyle decisions in discrimination controls Arkansas defines race and national origin to include discrimination because of natural, protective, or cultural hairstyle, including locs, braids, twists, and curls. Ask how the EPL form handles this allegation type, including wage-and-hour exclusions, defense sublimits, and notice triggers.[^4] ### Private Company Indemnification Arkansas § 4-27-202(b)(3) expressly preserves a director’s third-party liability. As a private company, compare your bylaws and indemnity agreement with the policy’s advancement language; § 4-27-202(b)(3) does not itself promise insurance payment.[^1] ### Prepare For A Private Lawsuit And Size-Based Damages Limits The Arkansas Civil Rights Act has no state enforcement mechanism, and its employment claims use a direct civil action. For intentional discrimination, state compensatory and punitive damages are capped by employer-size bands; the action deadline is one year or 90 days after an EEOC right-to-sue or determination notice, whichever is later. Ask who will log the first written notice and confirm the policy reporting date.[^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.[^7][^8][^12][^9] - [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.[^10][^11][^13] ## Which Management Liability 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](https://insurance.arkansas.gov/industry-regulation/licensing/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy Management Liability in Arkansas 1. Quote D&O, employment practices and fiduciary liability separately: which insured parties, allegations, limits and retentions apply to each section? 2. For an employment allegation, which employing entities, Arkansas headcount and workplace policies should the underwriter review? 3. Show the fidelity bond and fiduciary-liability wording side by side. Which addresses plan-asset dishonesty and which addresses allegations about plan management? ## Management Liability Insurance in Arkansas: Frequently Asked Questions ### What employment-law exposure should a Arkansas business discuss when buying management liability? For Arkansas businesses, the state civil-rights law starts at nine employees and treats natural, protective, or cultural hairstyles as part of race and national-origin discrimination. The policy notice deadline is separate from any agency filing deadline.[^3][^4] ### Does Arkansas corporate law determine what a D&O policy pays? Arkansas’s business-corporation charter exculpation does not erase liability to third parties, and its statute preserves director duties involving loyalty, bad faith, unlawful distributions, and improper personal benefits. The statute does not itself define what the insurer must defend or pay; check those terms in the policy.[^3][^4][^1] ### Is a plan fidelity bond the same as fiduciary-liability insurance for a Arkansas business? No. ERISA requires a fidelity bond for covered plan fiduciaries who handle plan funds; Arkansas’s business-corporation charter exculpation does not erase liability to third parties, and its statute preserves director duties involving loyalty, bad faith, unlawful distributions, and improper personal benefits addresses a separate company-law issue. Ask whether the policy includes fiduciary-liability coverage in addition to the bond.[^1][^5][^6] ## Management Liability Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/management-liability/alabama) - [Alaska](https://spot.insure/coverage/management-liability/alaska) - [Arizona](https://spot.insure/coverage/management-liability/arizona) - [California](https://spot.insure/coverage/management-liability/california) - [Colorado](https://spot.insure/coverage/management-liability/colorado) - [Connecticut](https://spot.insure/coverage/management-liability/connecticut) - [Delaware](https://spot.insure/coverage/management-liability/delaware) - [District of Columbia](https://spot.insure/coverage/management-liability/district-of-columbia) - [Florida](https://spot.insure/coverage/management-liability/florida) - [Georgia](https://spot.insure/coverage/management-liability/georgia) - [Hawaii](https://spot.insure/coverage/management-liability/hawaii) - [Idaho](https://spot.insure/coverage/management-liability/idaho) - [Illinois](https://spot.insure/coverage/management-liability/illinois) - [Indiana](https://spot.insure/coverage/management-liability/indiana) - [Iowa](https://spot.insure/coverage/management-liability/iowa) - [Kansas](https://spot.insure/coverage/management-liability/kansas) - [Kentucky](https://spot.insure/coverage/management-liability/kentucky) - [Louisiana](https://spot.insure/coverage/management-liability/louisiana) - [Maine](https://spot.insure/coverage/management-liability/maine) - [Maryland](https://spot.insure/coverage/management-liability/maryland) - [Massachusetts](https://spot.insure/coverage/management-liability/massachusetts) - [Michigan](https://spot.insure/coverage/management-liability/michigan) - [Minnesota](https://spot.insure/coverage/management-liability/minnesota) - [Mississippi](https://spot.insure/coverage/management-liability/mississippi) - [Missouri](https://spot.insure/coverage/management-liability/missouri) - [Montana](https://spot.insure/coverage/management-liability/montana) - [Nebraska](https://spot.insure/coverage/management-liability/nebraska) - [Nevada](https://spot.insure/coverage/management-liability/nevada) - [New Hampshire](https://spot.insure/coverage/management-liability/new-hampshire) - [New Jersey](https://spot.insure/coverage/management-liability/new-jersey) - [New Mexico](https://spot.insure/coverage/management-liability/new-mexico) - [New York](https://spot.insure/coverage/management-liability/new-york) - [North Carolina](https://spot.insure/coverage/management-liability/north-carolina) - [North Dakota](https://spot.insure/coverage/management-liability/north-dakota) - [Ohio](https://spot.insure/coverage/management-liability/ohio) - [Oklahoma](https://spot.insure/coverage/management-liability/oklahoma) - [Oregon](https://spot.insure/coverage/management-liability/oregon) - [Pennsylvania](https://spot.insure/coverage/management-liability/pennsylvania) - [Rhode Island](https://spot.insure/coverage/management-liability/rhode-island) - [South Carolina](https://spot.insure/coverage/management-liability/south-carolina) - [South Dakota](https://spot.insure/coverage/management-liability/south-dakota) - [Tennessee](https://spot.insure/coverage/management-liability/tennessee) - [Texas](https://spot.insure/coverage/management-liability/texas) - [Utah](https://spot.insure/coverage/management-liability/utah) - [Vermont](https://spot.insure/coverage/management-liability/vermont) - [Virginia](https://spot.insure/coverage/management-liability/virginia) - [Washington](https://spot.insure/coverage/management-liability/washington) - [West Virginia](https://spot.insure/coverage/management-liability/west-virginia) - [Wisconsin](https://spot.insure/coverage/management-liability/wisconsin) - [Wyoming](https://spot.insure/coverage/management-liability/wyoming) [Other Coverage in Arkansas](https://spot.insure/coverage/states/arkansas) ## Sources for Management Liability Insurance in Arkansas [^1]: [Act 958 of the 1987 Regular Session: Arkansas Business Corporation Act](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=ACTS%2F1987%2FPublic%2F958.pdf) — Arkansas Bureau of Legislative Research; Original Act §§ 64-202(B)(3) and 64-102 (pre-codification section numbering; current Code reference in official Code Search portal). Accessed 2026-09-28. [^2]: [Arkansas Code Search, official statutory database](https://portal.arkansas.gov/service/arkansas-code-search-laws-and-statutes/) — Arkansas Bureau of Legislative Research; Current codification lookup for Ark. Code §§ 4-27-202(b)(3) and 4-27-850(b); portal did not expose operative text in this review. Accessed 2026-09-28. [^3]: [Act 191 of 2017 — Arkansas Civil Rights Act employer definition](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT191.pdf) — Arkansas General Assembly; Section 1 amending Ark. Code § 16-123-102(5): nine or more Arkansas employees in 20 or more calendar weeks of the current or preceding year; approved 2017-03-31.. Accessed 2026-09-28. [^4]: [Act 514 of 2023 — Creating a Respectful and Open World for Natural Hair Act](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=514.pdf&path=%2FACTS%2F2023R%2FPublic%2F) — Arkansas General Assembly; Section 4 amending Ark. Code § 16-123-102 definitions to include natural, protective, or cultural hairstyle within race and national-origin discrimination; approved 2023-04-10.. Accessed 2026-09-28. [^5]: [29 U.S.C. § 1112, ERISA fidelity bonding](https://www.govinfo.gov/link/uscode/29/1112) — U.S. Government Publishing Office; ERISA § 412(a)–(e): covered plan fiduciaries and persons handling plan funds/property; fraud-or-dishonesty protection; statutory exceptions; amount and procurement rules. Authenticated U.S. Code text records amendments through 2019, accessed 2026-09-28. Accessed 2026-09-28. [^6]: [29 C.F.R. § 2580.412-6, Handling test for ERISA bonding](https://www.ecfr.gov/current/title-29/subtitle-B/chapter-XXV/subchapter-I/part-2580/subpart-A/section-2580.412-6) — Office of the Federal Register, Electronic Code of Federal Regulations; Current eCFR displayed as of 2026-09-24; § 2580.412-6(a)–(b): risk-based handling definition, access/control/disbursement examples, negligible-risk qualification. Accessed 2026-09-28. [^7]: [Arkansas Insurance Department](https://insurance.arkansas.gov/) — Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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. [^19]: [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. [^20]: [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 2026-10-16. 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/management-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)