In Arkansas you are required to carry workers’ compensation insurance if you have three (3) or more employees working in Arkansas.

Also, if you are working for someone else as an “independent contractor” you will need workers’ compensation insurance. Unless you are an employee of their business, you won’t be covered by their insurance policy and may need to provide proof of workers’ compensation insurance.

Are you an employee or an independent contractor? Excellent Question. Let’s get an idea. (link)

Workers’ compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need commercial general liability insurance.

Arkansas has a private market for workers’ compensation coverage, meaning that you can purchase workers’ compensation insurance from any private insurance carrier or agency that is licensed to write in that state. Harman Stone can write workers’ compensation insurance in any U.S. state in which we are licensed – currently Alabama, Arkansas, Kentucky, Maryland, Mississippi, Tennessee, Virginia and the District of Columbia.

If having trouble, Arkansas also has an assigned risk pool, where we can help you find coverage.

If you are a sole proprietor or a partner in Arkansas, you are excluded from your business’ workers’ compensation insurance but have the option to include yourself.

If you are a corporate officer or member of an LLC in Arkansas, you are included in your business’ workers’ compensation coverage, but you have the option to exclude yourself.