What Does Workers’ Compensation Insurance Cover?
Workers’ compensation insurance offers a safety net for work-related injuries and occupational illnesses. Here's what it typically covers:
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Medical Expenses & Rehab: Covers doctor visits, hospital bills, surgeries, medications, and physical therapy.
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Wage Replacement: Provides partial income to employees who are unable to work due to a covered injury.
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Disability Benefits: Offers support for temporary or permanent disability stemming from a workplace accident.
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Death Benefits: Offers financial assistance to the family or dependents of a worker who dies due to a job-related incident.
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Employer Legal Protection: Minimizes the risk of lawsuits by providing compensation directly to injured workers.
General damages like pain and suffering, as well as punitive damages, are typically not covered under workers’ comp.
Is Workers’ Compensation Insurance Required in Little Rock?
Yes, Arkansas law requires most businesses in Little Rock to carry workers’ compensation insurance. Specifically, any business with three or more employees—whether part-time or full-time—must be covered.
Employers can purchase this insurance through:
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Private insurance carriers
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The Arkansas Workers’ Compensation Commission’s state-run program
Failing to provide workers' compensation coverage can result in steep fines, legal penalties, and even criminal charges. Don’t put your business at risk—stay compliant with the law.
Make the smart move. Get your free workers’ comp quote from G&G Independent Insurance today.
Average Cost of Workers’ Compensation Insurance in Little Rock, AR
The cost of workers’ comp in Little Rock varies depending on your:
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Industry risk level (e.g., construction vs. office work)
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Number of employees
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Total payroll
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Claims history
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Job roles
As a reference, the average cost in Arkansas (per NCCI data) is around $1.43 per $100 of payroll. So if your business has $100,000 in payroll, expect to pay roughly $1,430 annually—though your exact rate may be higher or lower.
Because rates are dynamic, it’s best to work with a licensed insurance advisor who can compare policies and shop the market for the best coverage and price.
Why Choose G&G Independent Insurance in Little Rock?
We know small businesses in Little Rock. Whether you run a local restaurant, a construction company, or an IT startup, we’ll tailor your coverage to match your needs.
At G&G Independent Insurance, we work with top-rated carriers to:
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Compare quotes fast
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Customize your policy based on your business risks
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Keep you compliant with Arkansas regulations
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Help you understand your policy clearly—no jargon, no confusion
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Don’t Wait Until It’s Too Late
An injury at work can lead to serious costs—for both your employee and your business. Don’t get caught unprepared.
Get peace of mind and legal protection today with workers’ compensation insurance in Little Rock, AR.
Call G&G Independent Insurance or click below to get a fast, free quote.
