We're licensed in Arkansas and Minnesota, and clients with property or a business in both states often assume one policy and one rulebook carry over. They don't. Here are five differences worth knowing.
Arkansas underwriting leans on wind, hail, and severe storms; Minnesota adds hard winters: freeze, ice dams and snow load. The same house insures differently in Little Rock than in Minneapolis, and the coverages that matter shift with the climate.
Arkansas generally requires workers' comp at three or more employees, though construction is stricter, and many contractors need it from the first employee. Minnesota has no threshold at all: one employee triggers it. Operate in both and you follow each state's rule where the work happens. A contract can also require coverage regardless of headcount. See our workers' comp article.
State minimums, and how carriers price, vary between the two. Wherever you are, we prefer to quote 100/300/100, a limit that protects you in a serious accident. See our home and auto page for what we quote on the personal side.
Coverage has to be written by someone licensed in the state where the risk sits. We're licensed in both, so a client with property in each state can be quoted in both. See our FAQ.
A carrier that's competitive in Arkansas may not even write your Minnesota risk, and vice versa. Shopping several carriers matters even more when you cross a state line.
One caution: don't assume your Arkansas policy "follows" you to a Minnesota property. Each location gets insured where it sits.
Tell us where. We're licensed in Arkansas and Minnesota and can quote both sides.
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