Workers' comp in Arkansas.
Arkansas requires workers' comp from 3 employees. Class codes follow NCCI's manual, with Arkansas's exceptions. You buy coverage from carriers.
- REQUIRED
- From 3 employees
- CONSTRUCTION
- From 2 employees, with conditions
- RATING BUREAU
- NCCI
- CLASS CODES
- NCCI codes
- BUY FROM
- Carriers
Required from 3 employees.
The rule
Arkansas requires workers' comp from 3 employees. Only employees in Arkansas count toward it. In construction, it applies from 2 employees (in building or building repair work; one or more employees for a contractor who subcontracts any part of a contract, and for any subcontractor).
Source: Ark. Code Ann. §11-9-102(11), definition of employment, and §11-9-401 (Arkansas Code Annotated, Code of Arkansas Public Access), checked October 5, 2026.
Coverage rules: Arkansas Workers' Compensation Commission, Basic Facts, checked October 5, 2026.
Class codes follow NCCI's manual, with Arkansas's exceptions.
Rating bureau
NCCI is Arkansas's rating organization.
Class system
NCCI's codes, with Arkansas's exceptions.
Codes on our pages
Not confirmed for Arkansas: NCCI states use NCCI's codes with their own exceptions. An advisor confirms your class codes.
List: NCCI State Map: NCCI, independent bureau and monopolistic states, read from an archived copy dated September 29, 2026; not confirmed for the codes on our pages.
Your payroll, your rate, before discounts and assessments.
Your rate comes from carriers that actively write the class.
Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.
COMMON QUESTIONS
- Do I need workers' comp in Arkansas?
- Yes. Arkansas requires workers' comp from 3 employees. Only employees in Arkansas count toward it. In construction, it applies from 2 employees (in building or building repair work; one or more employees for a contractor who subcontracts any part of a contract, and for any subcontractor).
- Who sets class codes in Arkansas?
- NCCI, as Arkansas's rating organization. Class codes follow NCCI's manual, with Arkansas's exceptions. An advisor confirms your class codes.
- Is Worklio Insurance licensed in Arkansas?
- Worklio Insurance Services LLC's producer is licensed in Arkansas, and the agency license there has been applied for. See insurance licenses
SOURCES
- Ark. Code Ann. §11-9-102(11), definition of employment, and §11-9-401 (Arkansas Code Annotated, Code of Arkansas Public Access)Who must carry it, checked October 5, 2026.
- NCCI State Map: NCCI, independent bureau and monopolistic statesRating bureau, class system, class codes (not confirmed), read from an archived copy dated September 29, 2026.
- Arkansas Workers' Compensation Commission, Basic FactsCoverage rules, checked October 5, 2026.
Figures as of September 29, 2026.
For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.