Key Takeaways
- Commercial General Liability (CGL) protects businesses from third-party claims
- Workers' compensation is required for most Arkansas employers
- Professional liability covers errors and omissions in professional services
- Umbrella policies provide additional liability coverage above underlying policies
- Arkansas businesses should carry adequate limits to protect against lawsuits
Last updated: January 2026
Arkansas Liability Insurance
Commercial General Liability (CGL)
Coverage A - Bodily Injury & Property Damage
- Third-party bodily injury claims
- Third-party property damage claims
- Legal defense costs (in addition to limits)
Coverage B - Personal & Advertising Injury
- Libel, slander, defamation
- False advertising
- Copyright infringement
- Wrongful eviction
Arkansas Workers' Compensation
Requirements
- Required for employers with 3+ employees
- Must cover all employees
- No-fault system
- Exclusive remedy for workplace injuries
Benefits Provided
- Medical benefits (no deductible)
- Disability benefits (temporary and permanent)
- Death benefits to dependents
- Vocational rehabilitation
Professional Liability
Covers:
- Errors and omissions in professional services
- Negligence in providing advice
- Claims-made trigger typically used
- Tail coverage may be needed
Exam Tip: Arkansas requires workers' compensation for employers with 3 or more employees. Penalties for non-compliance include fines and loss of exclusive remedy protection.
Test Your Knowledge
How many employees must an Arkansas employer have before workers' compensation is required?
A
B
C
D