What Workers’ Compensation Insurance Requirements Apply in Arkansas?

Arkansas uses different employee thresholds by work: generally three employees, two in building or building repair, and one when a contractor subcontracts any part of a job or a worker is employed by a subcontractor. The Commission’s form counts owners, full-time partners, full- and part-time workers, and volunteers in arriving at the number.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

Arkansas Workers’ Compensation Insurance Requirements

Requirement	Details
Employee threshold by work	3 generally; 2 in building or building repair; 1 for a contractor who subcontracts any part or for a subcontractor ¹

What to Watch for With Workers’ Compensation in Arkansas

Building and Repair Work Reaches the Threshold at Two
The Arkansas Workers’ Compensation Commission’s current non-coverage form says coverage generally applies at two or more employees engaged in building or building repair. A shop that is below the general three-worker threshold may still need a policy for this work; identify the crew’s actual duties before quoting. ¹
Subcontracting Can Trigger Coverage with One Worker
The same form states a one-worker trigger for a contractor who subcontracts any part of its contract and for a worker employed by a subcontractor. If you hire or work under a subcontract, ask the broker to apply the subcontracting rule before relying on the general threshold. ¹
Count Owners, Part-Time Workers, and Volunteers
The Commission form says its threshold count includes an owner, sole proprietor, full-time partners, full- or part-time employees, and volunteers. Give the broker the full roster and roles, not only W-2 full-time staff. ¹
A State-Run Plan Exists for Eligible Applicants Declined by the Market
Arkansas rules require the Workers’ Compensation Insurance Plan to apportion applicants who are in good faith eligible for, but unable to procure, coverage through ordinary methods. Ask the agent about plan eligibility after voluntary-market attempts; the rule does not promise assignment to a chosen insurer. ²

Which Workers’ Compensation Providers Have Arkansas License Records?

These providers publish a national listing for Workers’ compensation; 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 the product is available in Arkansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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
Corgi lists workers’ compensation insurance.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁴
ERGO NEXT offers workers’ compensation insurance for small businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹³
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’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
Vouch lists workers’ compensation among core coverages for technology companies.

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 Workers’ Compensation in Arkansas

Does our work qualify as building or building repair, or does the three-worker general threshold apply?
Do any contracts make us a contractor who subcontracts work or a subcontractor subject to the one-worker rule?
Who must be counted for this job, including owners, full-time partners, part-time staff, and volunteers?
If carriers decline the risk, what evidence of ordinary-market attempts will the assigned plan require?

Workers’ Compensation Insurance in Arkansas: FAQ

How many employees trigger workers’ compensation in Arkansas?

Generally three, but the Commission form lists two for building or building repair work and one for a contractor who subcontracts any part of a job or for a subcontractor’s employment. ¹

Do part-time workers count toward Arkansas’s threshold?

Yes. The Commission form includes part-time employees in its count, along with owners, full-time partners, other employees, and volunteers. ¹

Sources for Workers’ Compensation Insurance in Arkansas

1
Application for Certificate of Non-Coverage, AWCC Form A. Arkansas Workers’ Compensation Commission; Page 1, threshold categories and employee count; revised January 1, 2024. Accessed 2026-09-28.
2
23 CAR §203-115, Arkansas Workers’ Compensation Insurance Plan — Operation and regulation. Code of Arkansas Rules; §203-115(a)–(d); rule history Ark. R. 2026-43 effective July 2, 2026. 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
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 Workers’ Compensation Insurance Requirements Apply in Arkansas?

What Is Workers’ Compensation Insurance?

Arkansas Workers’ Compensation Insurance Requirements

What to Watch for With Workers’ Compensation in Arkansas

Building and Repair Work Reaches the Threshold at Two

Subcontracting Can Trigger Coverage with One Worker

Count Owners, Part-Time Workers, and Volunteers

A State-Run Plan Exists for Eligible Applicants Declined by the Market

Which Workers’ Compensation Providers Have Arkansas License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch