Notification Deadline for Non‑Renewing a Workers' Compensation Policy in Arkansas

When Must You Notify Your Insurer?

In Arkansas, the law requires you to inform your insurer of a non‑renewal decision at least 30 days before the policy's expiration date. This 30‑day notice period applies to all standard workers' compensation policies issued by licensed carriers.

Why the 30‑Day Rule Matters

A 30‑day notice gives the insurer time to process the cancellation, adjust premiums, and ensure that your coverage ends cleanly without leaving a gap. Failing to give notice on time can result in a short‑term extension or an unintentional renewal.

Steps to File a Non‑Renewal Notice

1. Check Your Policy End Date: Locate the expiration date on your policy statement or certificate of insurance.

2. Draft a Written Notice: Include your policy number, company name, and a clear statement of non‑renewal.

3. Send via Certified Mail or Email: Use a method that provides proof of delivery. Most carriers accept email, but a certified mail copy is safest.

4. Confirm Receipt: Request a written acknowledgment from the insurer confirming the cancellation date.

What Happens if You Miss the Deadline?

Missing the 30‑day window typically results in the policy automatically renewing for the next term. The insurer may also charge a renewal premium, and you could face penalties if the coverage gap is discovered during a claim.

Key Takeaways

• Arkansas requires a 30‑day notice before policy expiration.• Provide written notice via certified mail or email.• Confirm receipt to avoid accidental renewal.• Missing the deadline can lead to automatic renewal and potential penalties.