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Simple process. Affordable price. 70+ industries & growing.

Arkansas Businesses We Cover with Workers’ Comp Insurance

Arkansas Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Arkansas Businesses

Worker’s comp insurance for the Natural State

Arkansas, where residents can’t decide if they want to be called Arkansans or Arkansawyers, but they are sure about one thing: starting the day off with biscuits drenched in chocolate gravy sprinkled with bacon bits. 

Agriculture is the big industry in Arkansas. The majority of crops have shifted from cotton to rice, producing about half the rice in the US. With its central location, Arkansas is a major distribution hub and is the home to 22 trucking companies. Food and paper manufacturing account for about 75,000 jobs, and aerospace manufacturing and development are a $1.8 billion industry.

Bentonville is the home of Walmart, and many companies have set up offices and full-time staff to service their relationship with the retail giant. There are 247,018 small businesses in Arkansas, accounting for 99.3% of all companies and employing 47.8% of workers, or 479,727 people. Trucking companies, outdoor tour guides, health care, and entertainment, Arkansas small businesses are driving the local economy. 

Tourists looking to get back to nature and clean, Ozark mountain air flock to resort towns like Hot Springs and Eureka Springs. Not content to race lawn mowers, residents have moved on to racing outhouses (which we choose to believe are new and unused). Camouflage is a fashion choice and not just for hunting, but please let us know if you ever see an area where pink camo with rhinestones would blend in with the scenery. 

Arkansas is known as the Natural State because of its breathtaking, very green landscape. While hiking and all kinds of outdoor entertaining are popular, residents also enjoy snipe hunting. An elaborate prank everywhere else, in Arkansas it’s a real bird with an erratic flight pattern that only the best shot can hit. The term “sniper” comes from this bird. Hunting is so popular that the first day of each hunting season might as well be a holiday and save everybody the trouble of calling in sick. 

Workers’ compensation insurance is a legal requirement in Arkansas and protects small business owners and their employees from loss. Accidents happen, like when a crayfish snake gets lost in the air vents and makes his way into the office, causing general chaos and minor injuries during the staff exodus. When football season kicks off and your CFO trips on a cord because he can’t see around the snout on his plastic razorback hoghead hat that he wore on first game Friday, his bills are covered. Cerity and Arkansas small business are the perfect team!

Arkansas Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Arizonans employed by small businesses


number of workplace injuries


miles of rivers and streams

1 million+

Ozark National Forest acreage


percent of world’s spinach canned in Alma, AR

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.