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, 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 — and remember a contract can require coverage regardless of headcount. See our workers' comp article.
State minimums, and how carriers price, vary between the two. Wherever you are, our floor stays 100/300/100 — the minimum that actually protects you.
Coverage has to be written by someone licensed in the state where the risk sits. We're licensed in both, and coverage may be placed through our appointments accordingly — so a client with property in each state is handled correctly on both sides. 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 we'll handle both sides correctly.
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