Builders Risk

• Coverage for structures under construction, installed materials, and temporary works
• Materials stored on-site, in transit, or at fabrication yards
• Protection against fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delays
• Limit set to completed project value - not just materials in place
• Coverage extended through Arkansas building department inspections and certificate of occupancy

Arkansas's diverse landscapes can increase risks such as theft and vandalism on job sites. Ensure limits reflect the completed project value and consider theft sublimits for high-value materials.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations coverage for post-completion claims
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site contracts
• Waiver of Subrogation as required by contract

Arkansas public-sector contracts often require specific GL limits and endorsements. We review your contract insurance requirements to ensure compliance.

Workers' Compensation & Employers Liability

• Required by Arkansas law for any business with employees
• Covers medical bills, lost wages, and rehabilitation for injured workers
• Protection against falls, struck-by incidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility for projects with controlled WC programs
• Documentation for prevailing wage compliance often required on public projects

Accurate payroll classification is critical in Arkansas's construction industry to avoid audit adjustments and penalties.

Commercial Auto & Fleet

• Coverage for owned vehicles: dump trucks, flatbeds, crew vans, and equipment haulers
• Liability for accidents on Arkansas highways and city streets
• Physical damage coverage for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' vehicles
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Arkansas's rural and urban driving conditions can increase accident risks; ensure your driver list is current and MVRs are reviewed annually.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to job sites and off-site storage
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is often targeted for theft. Ensure you have adequate coverage and security protocols in place.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all public contracts in Arkansas
• Increasingly required on large private developments
• Bond capacity determined by financial strength and experience

Public contracts in Arkansas consistently require performance and payment bonds. We arrange bonds alongside your insurance program for seamless compliance.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Arkansas
• Can be structured to follow-form over GL and Auto

A serious construction accident can generate claims that exceed standard GL limits. Ensure adequate umbrella coverage for large-scale projects.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion

As Arkansas's design-build projects grow, GCs must ensure they have the right coverage for design responsibilities.

Arkansas Contractor Registration

Contractors in Arkansas must register with the state and provide proof of insurance for public projects. This includes maintaining current insurance certificates that meet specified limits.

Public Project Bonding & Prevailing Wage

Arkansas law requires performance and payment bonds on public construction contracts exceeding $50,000. Compliance with prevailing wage rates is also mandatory, with certified payroll records required.

Building Permits & Inspections

All commercial construction in Arkansas requires permits from local authorities. Insurance certificates naming the municipality as Additional Insured are often required for permit issuance.

OSHA Job Site Safety

Federal OSHA standards apply to all Arkansas commercial job sites. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.