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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 burdens so large that the company has to close its doors, unless the company has the right small business insurance. biBERK is trusted by many companies for Arkansas business insurance because we understand the challenges that business owners have to overcome. We offer flexible policies to protect you from a wide range of risks.

Arkansas Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. For example, if someone suffers a serious laceration from a power tool, that can be covered.

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Arkansas Professional Liability Insurance

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 caused financial harm to them or their business. Let’s say you’re an IT consultant, you advise a customer to buy a certain type of computer server, and it turns out to be the wrong type. Your client can sue you for damages incurred as a result of that purchase. Professional liability coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Arkansas Cyber Insurance

This type of business insurance in Alaska can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive data like credit card information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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We 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 biBERK for Small Business Insurance in Arkansas?

We’re the experts when it comes to Arkansas small business insurance.

Save Time

Get a quote for small business insurance in Arkansas entirely online or immediately speak with one of our insurance experts for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your Arkansas small business directly, without a middleman or insurance broker, so we pass that savings on to you—you pay up to 20% less than you would with from other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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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 find when researching 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. Additionally, 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.

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%.