Contractor Insurance
in Arkansas
Protect Your Crew and Projects in Arkansas’ Tough Construction Conditions
From roofing homes in Little Rock to remodeling projects in Fayetteville, Arkansas contractors face a mix of licensing requirements, jobsite hazards, and legal exposure. One accident or claim could put your business at risk.
At Affordable Contractors Insurance (ACI), we provide coverage designed for the realities of working in Arkansas—affordable, state-compliant, and tailored to your trade.
Why Contractors in Arkansas Choose ACI
Local Know-How:
We understand Arkansas contractor laws and industry risks.
Same-Day Certificates:
Proof of insurance, delivered fast.
Bundled Policy Discounts:
Many customers save 15% or more.
Streamlined Quotes:
One form, multiple policy options—no chasing agents.
Low Down Payments:
Start coverage with as little as 20% down.
Insurance Coverage We Offer in Arkansas
Our policies cover what matters most—from jobsite injuries to stolen tools to legal claims.
- General Liability Insurance
Protects your business against third-party injury, property damage, and completed work claims.
- Workers’ Compensation Insurance
Required if you have 3+ employees. Covers injuries, medical care, and lost wages for your crew.
- Commercial Auto Insurance
Covers vehicles used to transport materials, equipment, and crews between job sites.
- Tools & Equipment Insurance
Covers repair or replacement of tools lost, stolen, or damaged on the job or in transit.
- Builder’s Risk Insurance
Covers buildings under construction and materials stored onsite from fire, weather, and theft.
- Professional Liability Insurance
Covers claims of errors, delays, or code violations—especially helpful for design-build or specialty contractors.
Who We Cover in Arkansas
If you work in construction, we have a policy built for your trade.
We insure:
- General Contractors
- Roofers
- Electricians
- Solar Installers
- HVAC Contractors
Don’t see your trade? Chances are we still cover it—reach out and we’ll match you with the right policy.
How Much Does Contractor Insurance Cost in Arkansas?
Contractor insurance in Arkansas depends on your trade, crew size, and policy needs.
Cost Factors
- Trade Type
Higher-risk trades like roofing cost more.
- Coverage Limits
Higher limits = more protection, higher cost.
- Claims History
Clean records can earn discounts.
- Number of Employees
Affects your workers’ comp rate.
- Deductibles
Higher deductibles lower monthly premiums.
Get a custom quote today and find out how much you could save.
Arkansas Contractor Insurance Requirements
General Liability Insurance
Not required for all licenses but often needed by clients and GCs before you start work. Covers third-party damage and injury claims.
Workers’ Compensation Insurance
Required if you have three or more employees. Covers job-related injuries and wage loss.
Commercial Auto Insurance
Mandatory for any business vehicle—must meet Arkansas’s minimum liability coverage standards.
Requirements may vary by trade or county. Contact us for personalized guidance.
Get a Free Contractor Insurance Quote
in Arkansas
Let’s make insurance simple. Tell us what you need—we’ll handle the rest with a free custom quote.