Arkansascontractor insurance & bonding requirements
Updated April 2026 · Source: AR Contractors Licensing Board
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Arkansascarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
No state-level bond required for residential; financial statement required at application.
Common questions
What insurance does a Arkansas general contractor need?
A Arkansas general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per AR Contractors Licensing Board.
How much is the surety bond for Arkansas contractors?
Arkansas does not require a state-level surety bond for general contractors. No state-level bond required for residential; financial statement required at application.
Who is the licensing authority in Arkansas?
AR Contractors Licensing Board is the authority for Arkansas contractor oversight. Public license lookup is available at https://www.arkansas.gov/clb/.
How does AskBaily verify contractors in Arkansas?
AskBaily runs automated verification against AR Contractors Licensing Board before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Arkansas can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under AR Contractors Licensing Board. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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