Arkansas business insurance
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Arkansas business insurance policies
In Arkansas, small businesses are the heart and soul of the economy. But every Arkansas business faces risks that can create financial consequences. Sometimes, the costs are so large that the company has to close its doors permanently—that is, unless it has the right small business insurance. Many companies in the state trust biBerk for Arkansas business insurance because we understand the challenges that business owners have to overcome. We offer flexible coverage to protect you from a wide range of risks. Check out the policies below.
Workers' Compensation insurance in Arkansas
This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies from an on-the-job incident. It can cover medical costs, legal fees, and lost wages due to the injury. For example, if an employee falls off a ladder and breaks their arm, their medical bills can be covered by workers’ comp insurance in Arkansas.
Workers' Compensationchevron_rightProfessional Liability insurance in Arkansas
Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service hurt them or their business financially. For instance, if your architecture firm creates an inaccurate blueprint and the client suffers financial damages as a result, you’re protected. Coverage includes both mistakes (errors) and the failures to perform services (omissions). Professional liability insurance in Arkansas is essential if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightArkansas Cyber insurance
You can buy this type of business insurance in Arkansas as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches where someone steals sensitive data like credit card information and uses it to commit fraud or is likely to.
Cyber Insurancechevron_rightWe cover all kinds of professionals and businesses in Arkansas, including:
- Ambulance services
- Amusement companies
- Attorneys and legal services
- Auditors and bookkeepers
- Automotive repair shops
- Barbers and beauty shops
- Building services companies
- Business consultants
- Carpentry services
- Certified financial analysts
- Concrete construction companies
- Contractors
- Cooling and heating companies
- Custodians and janitors
- Electrical contractors
- Engineers and architects
- Fitness centers
- Flooring and carpet installers
- Gardeners and landscapers
- Home appliance repair
- Insurance companies
- Laundry services
- Long-haul truckers
- Mailing companies
- Marketing and advertising firms
- Marketing firms
- Masonry services
- Millwright operations
- Office clerical employees
- Osteopath and physician offices
- Painting companies
- Paperhanging companies
- Personal service providers
- Photographers
- Plumbing services
- Professional couriers and messengers
- Programmers
- Public relations agencies
- Real estate agents
- Restaurants
- Salespeople
- Securities and commodities businesses
- Stores
- Telecommunications companies
- Tree trimming and pruning companies
- Trucking companies
- Vegetable and fruit markets
- Welding and metal cutting companies
Why choose biBerk for commercial insurance in Arkansas?
We’re the experts when it comes to Arkansas small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for commercial insurance in Arkansas?
We’re a leading insurance company in Arkansas, whether you need workers’ compensation insurance or other commercial insurance. We’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Get Arkansas business insurance statewide.
Because we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurance in Little Rock, AR
- Business insurance in Hot Springs, AR
- Business insurance in Pine Bluff, AR
- Business insurance in Conway, AR
- Business insurance in Russellville, AR
- Business insurance in Bentonville, AR
- Business Insurance in Fayetteville, AR
- Business Insurance in Fort Smith, AR
- Business insurance in Rogers, AR
- Or any Arkansas location!
Business owners in Arkansas rely on biBerk.
We team up with Arkansas business owners and decision makers to protect their companies.
First-time small business owners
Entrepreneurs look to biBerk for clarity about their insurance needs. Our licensed insurance experts help them avoid common mistakes (like not having coverage for a specific risk), providing the guidance they need to get essential financial protection. That includes answering their compliance-related insurance questions and encouraging them to contact state or local officials if appropriate.
Freelancers and independent contractors
If you work solo, you understand the value of getting guidance from people knowledgeable in their fields—like our insurance professionals. We can help you buy coverage that’s both comprehensive and affordable, sharing real-world scenarios to help you see when and how a particular policy can protect your business. Our straightforward approach to explaining insurance products is helpful for busy professionals who appreciate information that’s clear and concise.
Established small business owners expanding their operations
One of the benefits of working with biBerk is that we help business owners tailor coverage to their needs. That’s especially important as a business expands. The company’s insurance strategy has to stay aligned with its risks, and our experts can help owners decide on raising limits or purchasing additional policies for new risks.
Arkansas insurance for businesses: What’s required?
Workers' Compensation
In Arkansas, most businesses with three or more employees are required to carry workers’ compensation insurance. However, there are exceptions to the three-or-more requirement in the construction field. , so If you have fewer than three employees, you should check with authorities about requirements for your business. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without one.
Other policy considerations
It’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
What does Arkansas business insurance cost?
You’ll see when you research Arkansas insurance companies that the cost of business insurance depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Also, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.
To determine your insurance cost, get instant, online quotes for any policies you need.
Frequently asked questions about Arkansas business insurance
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What types of insurance are typically required for Arkansas small businesses?
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Small businesses in Arkansas are typically required to have workers' compensation insurance if they have employees. Other types of coverage might be expected by people like clients or landlords.
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How much does small business insurance typically cost in Arkansas?
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Insurance costs in Arkansas vary based on factors like industry, coverage types, and business size. You can get instant quotes online.
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How do I choose the right coverage amounts for my Arkansas small business?
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To pick the appropriate coverage limits, assess your company’s specific risks, property value, employee count, and potential liability. Our licensed insurance experts can also help tailor coverage to your needs.
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What is the typical process for filing an insurance claim in Arkansas?
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The process typically involves notifying your insurance company as soon as possible, providing necessary documentation (like incident reports and photos), and completing any required claim forms. The provider then investigates and processes your claim.
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How quickly can I expect my insurance claims in Arkansas to be processed and resolved?
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Processing times in Arkansas can vary depending on the complexity of the claim and other factors. Straightforward claims can usually be processed in a matter of weeks, while more complex claims might take longer.
Arkansas business insurance in three simple steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
Trust biBerk for business insurance in Arkansas and save up to 20%.