Buy affordable workers'compensation in Arkansas onlinein less than 5 minutes

So, you have a small business in Arkansas. The big question is, do you need workers’ compensation insurance? Yes! If you have at least 3 employees (owners and officers are included in that count too), Arkansas state law requires you to have workers’ compensation insurance. However, some businesses need coverage even if there are fewer than 3 employees, according to the Arkansas Workers’ Compensation Commission (AWCC).

In the state of Arkansas, just about anyone you pay to do work qualifies as an employee. That means your workers’ compensation policy should cover minors, casual workers, and even workers who aren’t US citizens. Of course, a few exceptions exist. For instance, a person you hire as an independent contractor may not meet the definition of “employee.” (Still, your coverage may need to include contractors in some circumstances.)

What happens if you don’t have workers’ compensation coverage? An Arkansas small business owner could face fines up to $10,000 or be guilty of a felony. You don’t want to skimp on the coverage you need because the state of Arkansas isn’t messing around. 

Here’s what that means for you: If you have a small business, you probably need workers’ compensation insurance coverage. There’s a good chance Arkansas law requires you to have it, and the penalties could be steep if you get caught without it. But there’s good news—you can get the coverage you need and save up to 32% by purchasing it online. (It’s seriously easy and only takes about 5 minutes.)

You might think Arkansas workers’ compensation insurance is expensive. While it can depend on many variables (your industry, safety record, and payroll size), coverage is more affordable than you might expect. In fact, our customers pay as little as $28 a month. That’s only about 90 cents per day!

Keep in mind that the most significant factor in your insurance premium is the size of your payroll. It makes sense, right? The larger your payroll, the more employees you have, which means you’re at higher risk of a work-related injury. Still, compared to the cost of a lawsuit, the expense of workers’ compensation coverage is next to nothing.

The best way to discover how much it’ll cost your business is to calculate your workers’ compensation rate from Huckleberry. (It’s completely online and takes less than a minute.)

What is workers’ compensation insurance, anyway? Great question. Basically, it protects Arkansas employees if they get sick, have an accidental injury, or hurt themselves on the job. Coverage can pay for an injured employee’s lost wages and include medical benefits (such as paying for medical bills, physical therapy, and other medical treatments). And if the employee can’t return to the job because of a workplace injury? This insurance policy can pay for ongoing disability benefits. 

Not only does workers’ compensation protect your employees, but it also protects your business. Think about the cost of a single workers’ compensation claim (all of the bills associated with the injury or illness), then imagine your company having to foot the bill. It could be costly.

For example, let’s say your employee fell off a ladder while stocking shelves. As a result, the injured worker has a broken ankle, and they file a workers’ compensation claim. Arkansas workers’ compensation can pay for their initial medical treatment, surgery, hospital care, prescription drugs, braces and crutches, physical therapy, and ongoing visits to a health care provider. That way, your company isn’t stuck paying for costly medical expenses or lost wages for a workplace injury.

1. You’ll get the coverage you need for your Arkansas small business in just 5 minutes.
2. You’ll pay up to 32% less, making it an affordable option for workers’ compensation coverage. 
3. You’ll understand your options because we explain everything in simple terms.
4. You’ll get everything you need—from a quote to managing your policy—entirely online.