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Arkansas umbrella and excess liability: verify the state-contract layer and sub chain

For contracts governed by Arkansas’s Building Authority contractor rule, CGL and hired/non-owned auto floors are specified, but the umbrella amount is referred to Department of Insurance Risk Management recommendations. The official rules database warns that recent rulemaking may not yet appear, so get the current written amount from the agency. AWCC Form A gives useful workers’ compensation crew thresholds, but its accessible copy is dated January 1, 2024; confirm current classifications before bidding. 1

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Arkansas Requirements

RequirementDetails
Building Authority primary liabilityThe rule sets $1 million per-occurrence/$2 million aggregate CGL, including contractual liability and products-completed operations, plus $1 million per-occurrence hired and non-owned auto. Departments may require higher GL amounts. 1
Umbrella over primary coverageFor contracts governed by this rule, the contractor must maintain umbrella liability over primary coverages; the department must refer to Risk Management Division recommendations for the minimum amount. The rule itself does not state one universal umbrella limit. 1
Workers’ compensation can attach below three employeesArkansas Workers’ Compensation Commission Form A, revised January 1, 2024, says coverage is generally required at three or more employees, at two or more in building/building repair, or at one or more when employed by a contractor who subcontracts or by a subcontractor. Its printed count includes owners, full-time partners, part-time employees and volunteers. Treat this dated form as a screening guide and confirm present eligibility with AWCC or the agent; the cited AWCC Basic Facts page could not be read in this review. 2

What to Watch for in Arkansas

  • Ask for the current Risk Management recommendation

    The rule delegates the umbrella minimum amount to Risk Management Division recommendations. Obtain the current written amount for your specific contract before pricing the layer: the official rules database says it is updated weekly but may not reflect recent rulemaking. Its listed CGL and auto amounts do not set the umbrella limit. 1

  • Collect actual subcontractor policies, not just a prime certificate

    The rule requires the contractor to require similar GL, auto and WC from every subcontractor and collect certificates; if a sub lacks appropriate insurance, the contractor is responsible for its claims. Verify each sub’s limits and classifications directly. 1

  • Check the construction exceptions to Arkansas’s ordinary employee count

    The readable AWCC Form A is marked revised January 1, 2024. It lists lower employee thresholds for building/building repair and for contractor/subcontractor work, and says owners, full-time partners, part-time employees and volunteers count toward the printed thresholds. Confirm the current rule and how your actual crew is classified with AWCC or your agent; liability excess does not replace statutory workers’ compensation. 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

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 Umbrella and excess liability; 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 the product is available in Arkansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Arkansas

  1. What umbrella limit has the Arkansas Risk Management Division recommended for this exact contract, and which primary forms must it sit over?
  2. Do the policy endorsements preserve contractual liability, products/completed operations and the required waiver of subrogation across the prime and sub chain?
  3. Which construction or subcontracting exceptions change the workers’ compensation threshold for your crew and each subcontractor?

Umbrella And Excess Liability in Arkansas: FAQ

Does Arkansas set one umbrella dollar limit for every state contract? 1

No universal umbrella amount appears in 22 CAR § 112-319. For contracts governed by that Building Authority rule, the amount is referred to the Department of Insurance Risk Management Division’s recommendation. Because the official code warns it may not reflect recent rulemaking, obtain the current written amount from the department for your contract. 1

Can I rely on certificates from subcontractors? 1

For contracts covered by 22 CAR § 112-319, the contractor must require substantially similar GL, auto and WC coverage and collect certificates; the rule also makes the contractor responsible for claims if a subcontractor lacks appropriate insurance. Review each subcontractor’s actual policy, operations and endorsements. 1

Umbrella And Excess Liability in Other States

Other Coverage in Arkansas

Sources

  1. 22 CAR § 112-319: Contractor’s insurance requirements. Arkansas Code of Rules / Building Authority Division; 22 CAR § 112-319(a), (f), (h), (i): Building Authority contract scope; primary CGL/auto and umbrella requirements; subcontractor scope; Risk Management amount referral. Database footer: official codification effective Jan. 1, 2025, weekly updates, may not reflect recent rulemaking. Accessed 2026-09-28.
  2. Form A (Application for Certificate of Non-Coverage), revised January 1, 2024. Arkansas Workers’ Compensation Commission; PDF pp. 1–2, Form A instructions: listed 3+, 2+ building/building repair, and 1+ contractor/subcontractor thresholds; employee count includes owners, full-time partners, part-time employees and volunteers; form states its revision date. 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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