Disability Insurance for Dentists

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Safeguard your dental career and financial future

Dentists face unique challenges that make protecting their income and practice essential. Your livelihood depends on performing precise procedures, but injuries, illnesses, or unexpected issues can jeopardize your financial stability.

Our Dental Practice team specializes in securing comprehensive disability insurance tailored to dentists’ needs, ensuring you’re prepared for unforeseen circumstances.

The importance of disability insurance

Dentistry involves specific risks, like repetitive strain injuries from long hours of intricate procedures, exposure to infectious diseases, or mental fatigue from running a practice. These factors highlight the need for financial protection.

Disability insurance acts as a safety net, keeping your life and practice stable if an illness or injury prevents you from working.

How disability insurance protects you

Disability insurance provides comprehensive support to safeguard your career and financial health:

  • Replaces Lost Income: If you can’t practice, your policy replaces 50–60% of your income.
  • Keeps Your Practice Operational: Coverage helps with overhead expenses like rent, utilities, and staff salaries.
  • Supports Personal Financial Responsibilities: Policies can cover student loan repayments or business debt during recovery.
  • Preserves Your Future Plans: Avoid using savings or retirement funds with structured benefits designed for dentists.
  • With this protection, you can focus on recovery, knowing your financial future is secure.

Key policy features

A disability insurance policy for dentists offers more than basic income replacement, with benefits tailored to your profession:

  • Own-Occupation Definition: Ensures benefits if you can’t practice dentistry, even if you work in another field.
  • Residual Disability Coverage: Provides partial benefits if you return to work part-time or in a limited capacity.
  • Future Increase Options: Allows coverage to grow with your career and income.
  • Student Loan Repayment Rider: Supports repayment of educational loans during disability.
  • Practice Overhead Expense Rider: Covers operating costs to keep your practice running during recovery.

These features provide flexibility, scalability, and peace of mind throughout your career.

Why Risk Strategies?

Risk Strategies delivers unmatched expertise and custom insurance solutions designed specifically for the dental industry. We understand the unique risk challenges dentists face, and provide coverage that ensures your income, practice, and future are fully protected.

  • Decades of dental industry experience:
    With 30+ years of focused expertise in dental risk management, we offer a deep understanding of the specific challenges dental professionals encounter daily.
  • Customized coverage options:
    Every plan is designed to fit your needs with tailored insurance solutions, offering protection that suits your goals, instead of relying on generic one-size-fits-all policies.
  • Proactive loss prevention:
    We create cost-effective risk management strategies that focus on minimizing exposures, reducing potential disruptions to your practice, and avoiding unnecessary expenses. All steps that ensure every dollar works for you.
  • Trusted by dental professionals nationwide:
    Our longstanding partnerships with dentists reflect our proven ability to safeguard practices while providing support, knowledge, and peace of mind.
  • Strong carrier partnerships:
    Enjoy access to top-rated insurance companies that will provide the best coverage at competitive rates.

Partnering with Risk Strategies means more than having an insurance broker. It means gaining a dedicated ally in managing the risks that could impact your career or practice.

Schedule a consultation today to explore our tailored solutions built to protect your life’s work, so you can focus on delivering exceptional patient care with confidence.

Practice Leaders

Kyle Wallace
Dental Practice Leader
Kyle Wallace

Kyle Wallace

Dental Practice Leader

Kyle has over 35 years of experience in the insurance industry. The last 25 has been spent working exclusively with dentists of all specialties and dental practices of all sizes. Kyle is recognized in the dental community as an authority on dental practice risk management and malpractice claims prevention. He often speaks to groups of dentists on this subject, has taught the risk management portion of the AGD Master Track program in Dallas, written several articles for Doctor of Dentistry magazine and was a contributing author for the book, “The Practice Launchpad.”

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Ann Hettrick
Vice President | Team Lead
Ann Hettrick

Ann Hettrick

Vice President | Team Lead

Ann received her Bachelor of Science in special education from Penn State University (Go Nittany Lions!) and has her Master of Education in applied behavior analysis from Arizona State University. She has 12 years of professional experience including 3 years in the insurance industry. Her attention to detail, organizational skills, passion for helping others, strong work ethic, and growth mindset are just some of Ann’s qualities that allow her to bring excellence to Wallace Specialty. She is committed to creating a multi-faceted program tailored to her clients’ unique needs that fosters their personal and professional growth.

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Herb Ford
Vice President | Business Development
Herb Ford

Herb Ford

Vice President | Business Development

Herb has 5 years of experience in the insurance industry. At Wallace Specialty, Herb thrives in the roles that he naturally succeeds in. With the ability to build a career through the activities and conversations that he enjoys having, he can bring excellence by enjoying what he does and being open to growth. With the desire to be one of the most knowledgeable individuals within the industry, he commits that he’ll provide educated and reliable information.

Herb received a bachelor’s degree in Managerial Economics with a Minor in Astronomy from Allegheny College. He played on the Allegheny Men’s Golf team in college. After graduating, Herb went to work for Merrill in a financial advisor program for 1.5 years prior to joining Wallace Specialty.

In his spare time he works with the Dallas Symphony Orchestra’s Young Professional’s group, plays golf, and looks for wine tastings. He’s always looking to build new connections, create stories, and make new friendships.

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[BlogPost 189161815909 Multi-Location Dental Practice and DSO Insurance Guide, BlogPost 184930312008 Why Personal Disability Insurance for Dentists is an Important Policy]

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$50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, name='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', description='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}', amount='{type=string, value=$25,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, name='{type=string, value=North Little Rock Contractor Bond}', description='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, name='{type=string, value=Notary Bond}', description='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}', amount='{type=string, value=$7,500}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, name='{type=string, value=Open-Cut Land Reclamation Bond}', description='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, name='{type=string, value=Oversize and Overweight Hauling Permit Bond}', description='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}', amount='{type=string, value=$1,000 - $10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, name='{type=string, value=Paid Solicitor Bond}', description='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$150}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, name='{type=string, value=Payment Bonds}', description='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, name='{type=string, value=Performance Bonds}', description='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, name='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', description='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}', amount='{type=string, value=$1,000 - $250,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, name='{type=string, value=Private Career Education School Bond}', description='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}', amount='{type=string, value=$5,000 - $100,000}', premium='{type=string, value=$37}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, name='{type=string, value=Private Employment Agency Bond}', description='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}', amount='{type=string, value=$5,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, name='{type=string, value=Probate & Estate Bonds}', description='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, name='{type=string, value=Process Server Bond}', description='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, name='{type=string, value=Professional Employer Organization Bond}', description='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}', amount='{type=string, value=$100,000}', premium='{type=string, value=$1,000}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, name='{type=string, value=Public Official Bonds}', description='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}', amount='{type=string, value=$1,000 - $2,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, name='{type=string, value=Residential Roofing Contractor Bond}', description='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}', amount='{type=string, value=$15,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, name='{type=string, value=Right of Way Bonds}', description='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}', amount='{type=string, value=$1,000 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, name='{type=string, value=Scholarship Uniform Lottery Bond}', description='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, name='{type=string, value=State Highway and Transportation Department Contract Bond}', description='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, name='{type=string, value=Subdivision Bonds}', description='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}', amount='{type=string, value=$1,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, name='{type=string, value=Summer Food Service Program Bond}', description='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}', amount='{type=string, value=$1,000 - $200,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, name='{type=string, value=Supply Bond}', description='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}', amount='{type=string, value=$1,000 - $25,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, name='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', description='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, name='{type=string, value=Third Party Administrator Bond}', description='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}', amount='{type=string, value=$25,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, name='{type=string, value=Towing and Recovery Bond}', description='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, name='{type=string, value=TTB Tobacco Bonds}', description='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}', amount='{type=string, value=$100 - $250,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, name='{type=string, value=Used Tire Transporter Bond}', description='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, name='{type=string, value=USTOA Indemnity Bonds}', description='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}', amount='{type=string, value=$1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, name='{type=string, value=Utility Bond}', description='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}', amount='{type=string, value=$100 - $100,000}', premium='{type=string, value=$40}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}]

Blog

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specify
[{id=187918185375, createdAt=1743000928060, updatedAt=1743005600094, amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', name='{type=string, value=Sample California Bond}', link='{type=string, value=#}', description='{type=string, value=

Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

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Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.

}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}', link_text='{type=string, value=Learn more...}'}, {id=187918692102, createdAt=1743004969903, updatedAt=1743005596878, name='{type=string, value=Sample California Bond 2}', description='{type=string, value=Description goes here and here}', amount='{type=string, value=X}', premium='{type=string, value=Lorem ipsum}', state='{type=option, value={id=1, name='california', order=0, label='California'}}'}, {id=188601390617, createdAt=1744198475042, updatedAt=1744198475042, name='{type=string, value=Alcohol Tax Bonds (Federal/TTB)}', description='{type=string, value=Required by the TTB for alcohol-related businesses with annual excise taxes exceeding $50,000.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390618, createdAt=1744198475043, updatedAt=1744198475043, name='{type=string, value=Appraisal Management Company Bond}', description='{type=string, value=Necessary for firms overseeing networks of state-licensed appraisers.}', amount='{type=string, value=$20,000}', premium='{type=string, value=$200}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390619, createdAt=1744198475044, updatedAt=1744198475044, name='{type=string, value=Arkansas Motor Vehicle Dealer Bonds}', description='{type=string, value=Mandatory for new and used vehicle dealers and wholesalers.}', amount='{type=string, value=$25,000 - $50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390620, createdAt=1744198475045, updatedAt=1744198475045, name='{type=string, value=Barber School Bond}', description='{type=string, value=Ensures barber schools adhere to contractual and professional obligations.}', amount='{type=string, value=$10,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390621, createdAt=1744198475046, updatedAt=1744198475046, name='{type=string, value=Beauty Pageant Bond}', description='{type=string, value=Guarantees that beauty pageant organizers fulfill their contractual commitments.}', amount='{type=string, value=$10,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390622, createdAt=1744198475047, updatedAt=1744198475047, name='{type=string, value=Bid Bonds}', description='{type=string, value=Serve as financial assurance for certain contract bid proposals, especially large-scale projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390623, createdAt=1744198475048, updatedAt=1744198475048, name='{type=string, value=Broker-Dealer, Investment Adviser, or Agent of the Issuer Bond}', description='{type=string, value=Required for professionals in securities to ensure compliance with regulations.}', amount='{type=string, value=$1,000 - $50,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390624, createdAt=1744198475049, updatedAt=1744198475049, name='{type=string, value=Business Service Bonds}', description='{type=string, value=Protect clients against employee theft and misconduct for businesses operating on client premises.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390625, createdAt=1744198475050, updatedAt=1744198475050, name='{type=string, value=Certificate of Title Bond}', description='{type=string, value=Needed for vehicles lacking titles necessary for registration.}', amount='{type=string, value=$100 - $1,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390626, createdAt=1744198475051, updatedAt=1744198475051, name='{type=string, value=Child and Adult Care Food Program (CACFP) Bond}', description='{type=string, value=Ensure compliance with CACFP regulations for meal service providers.}', amount='{type=string, value=$1,000 - $150,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390627, createdAt=1744198475052, updatedAt=1744198475052, name='{type=string, value=Cigarette Stamp Deputy Bond}', description='{type=string, value=Required for deputies overseeing cigarette stamp distribution and compliance.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390628, createdAt=1744198475053, updatedAt=1744198475053, name='{type=string, value=City of Maumelle Solicitor Bond}', description='{type=string, value=Necessary for solicitors operating within Maumelle to ensure adherence to local ordinances.}', amount='{type=string, value=$1,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390629, createdAt=1744198475054, updatedAt=1744198475054, name='{type=string, value=City of Texarkana License and Permit Bond}', description='{type=string, value=Required for businesses in Texarkana to guarantee compliance with municipal regulations.}', amount='{type=string, value=$2,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390630, createdAt=1744198475055, updatedAt=1744198475055, name='{type=string, value=CLB Commercial Contractor License Bond}', description='{type=string, value=Mandatory for contractors undertaking commercial projects valued at $50,000 or more.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390631, createdAt=1744198475056, updatedAt=1744198475056, name='{type=string, value=CLB Financial Statement Contractor Bond}', description='{type=string, value=For contractors unable to provide financial statements meeting state net worth criteria.}', amount='{type=string, value=$50,000 - $500,000}', premium='{type=string, value=$375}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390632, createdAt=1744198475057, updatedAt=1744198475057, name='{type=string, value=CLB Subcontractor License Bond}', description='{type=string, value=Required for subcontractors with contracts of $2,000 or more with unlicensed contractors.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390633, createdAt=1744198475058, updatedAt=1744198475058, name='{type=string, value=Coin Operated Amusement Machine Operator Bond}', description='{type=string, value=Necessary for operators of coin-operated amusement machines.}', amount='{type=string, value=$6,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390634, createdAt=1744198475059, updatedAt=1744198475059, name='{type=string, value=Coin Operated Cigarette Machine Operator’s Bond}', description='{type=string, value=Required for operators of coin-operated cigarette machines to ensure regulatory compliance.}', amount='{type=string, value=$2,000 - $6,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390635, createdAt=1744198475060, updatedAt=1744198475060, name='{type=string, value=Collection Agency Bond}', description='{type=string, value=Mandatory for entities collecting debts to ensure ethical practices.}', amount='{type=string, value=$10,000 - $25,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390636, createdAt=1744198475061, updatedAt=1744198475061, name='{type=string, value=Combative Sports Bond}', description='{type=string, value=Required for organizers of combative sports events to ensure adherence to regulations.}', amount='{type=string, value=$20,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390637, createdAt=1744198475062, updatedAt=1744198475062, name='{type=string, value=Contractor License Bonds}', description='{type=string, value=Required by the state and some cities for licensed contractors to ensure compliance with building codes.}', amount='{type=string, value=$100 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390638, createdAt=1744198475063, updatedAt=1744198475063, name='{type=string, value=CPEO Bonds}', description='{type=string, value=Required for Certified Professional Employer Organizations at the federal level.}', amount='{type=string, value=$50,000 - $1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390639, createdAt=1744198475064, updatedAt=1744198475064, name='{type=string, value=Credit Repair Services Organization Bond}', description='{type=string, value=Ensure credit repair companies adhere to state regulations and protect consumers.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390640, createdAt=1744198475065, updatedAt=1744198475065, name='{type=string, value=DMEPOS (Medicare) Bonds}', description='{type=string, value=Required for suppliers of durable medical equipment participating in Medicare.}', amount='{type=string, value=$50,000 - $1,000,000}', premium='{type=string, value=$275}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390641, createdAt=1744198475066, updatedAt=1744198475066, name='{type=string, value=ERISA Bonds}', description='{type=string, value=Protect employee benefit and retirement plans managed by fiduciaries.}', amount='{type=string, value=$10,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390642, createdAt=1744198475067, updatedAt=1744198475067, name='{type=string, value=Federal Maritime Commission Bonds}', description='{type=string, value=Required for Ocean Transportation Intermediaries by the FMC.}', amount='{type=string, value=$50,000 - $75,000}', premium='{type=string, value=$625}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390643, createdAt=1744198475068, updatedAt=1744198475068, name='{type=string, value=Fish and Game License Agent Bond}', description='{type=string, value=Necessary for agents selling hunting and fishing licenses to ensure proper handling of funds.}', amount='{type=string, value=$1,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390644, createdAt=1744198475069, updatedAt=1744198475069, name='{type=string, value=Freight Broker Bond (BMC-84)}', description='{type=string, value=Required by the FMCSA for freight brokers and forwarders in the U.S.}', amount='{type=string, value=$75,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390645, createdAt=1744198475070, updatedAt=1744198475070, name='{type=string, value=Fuel Tax Bonds}', description='{type=string, value=Required for fuel sellers to maintain licensing under the IFTA.}', amount='{type=string, value=$1,000 - $800,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390646, createdAt=1744198475071, updatedAt=1744198475071, name='{type=string, value=H-2A Farm Labor Contractor Bonds}', description='{type=string, value=Required for farm labor employers participating in the H-2A program.}', amount='{type=string, value=$5,000 - $150,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390647, createdAt=1744198475072, updatedAt=1744198475072, name='{type=string, value=Household Pest and Rodent Control Bond}', description='{type=string, value=Ensure pest control companies comply with state regulations.}', amount='{type=string, value=$50,000 - $100,000}', premium='{type=string, value=$375}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390648, createdAt=1744198475073, updatedAt=1744198475073, name='{type=string, value=HUD Manufactured Housing Installer Bonds}', description='{type=string, value=Required for installers of manufactured housing under HUD guidelines.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390649, createdAt=1744198475074, updatedAt=1744198475074, name='{type=string, value=Janitorial Cleaning Service Bonds}', description='{type=string, value=Protect clients against employee theft for janitorial services.}', amount='{type=string, value=$10,000 - $100,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390650, createdAt=1744198475075, updatedAt=1744198475075, name='{type=string, value=Lost Instrument Bonds}', description='{type=string, value=Required before issuing duplicates of lost financial certificates.}', amount='{type=string, value=$50 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390651, createdAt=1744198475076, updatedAt=1744198475076, name='{type=string, value=Maintenance Bonds}', description='{type=string, value=Protect project owners from damages due to faulty construction post-completion.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390652, createdAt=1744198475077, updatedAt=1744198475077, name='{type=string, value=Medallion Signature Guarantee (STAMP) Bonds}', description='{type=string, value=Required for participants in the Securities Transfer Agents Medallion Program.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390653, createdAt=1744198475078, updatedAt=1744198475078, name='{type=string, value=Money Transmitter Bond}', description='{type=string, value=Mandatory for money transmitters to ensure compliance with financial regulations.}', amount='{type=string, value=$50,000 - $300,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390654, createdAt=1744198475079, updatedAt=1744198475079, name='{type=string, value=Mortgage Broker, Banker, and/or Servicer Bond}', description='{type=string, value=Required for licensed mortgage loan brokers, bankers, or servicers.}', amount='{type=string, value=$100,000 - $200,000}', premium='{type=string, value=$750}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390655, createdAt=1744198475080, updatedAt=1744198475080, name='{type=string, value=New Motor Vehicle Dealer Bond}', description='{type=string, value=Required for dealers selling new vehicles in Arkansas.}', amount='{type=string, value=$25,000 - $50,000}', premium='{type=string, value=$125}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390656, createdAt=1744198475081, updatedAt=1744198475081, name='{type=string, value=New Motorcycle, ATV, Scooter, Utility Vehicle or Lessor Bond}', description='{type=string, value=Required for dealers selling new motorcycles, ATVs, scooters, utility vehicles, or acting as lessors.}', amount='{type=string, value=$25,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390657, createdAt=1744198475082, updatedAt=1744198475082, name='{type=string, value=North Little Rock Contractor Bond}', description='{type=string, value=Mandatory for contractors applying for commercial building permits in North Little Rock.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390658, createdAt=1744198475083, updatedAt=1744198475083, name='{type=string, value=Notary Bond}', description='{type=string, value=Required for individuals who authenticate signatures and administer oaths.}', amount='{type=string, value=$7,500}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390659, createdAt=1744198475084, updatedAt=1744198475084, name='{type=string, value=Open-Cut Land Reclamation Bond}', description='{type=string, value=Ensures compliance with land reclamation regulations for open-cut mining operations.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390660, createdAt=1744198475085, updatedAt=1744198475085, name='{type=string, value=Oversize and Overweight Hauling Permit Bond}', description='{type=string, value=Required for entities transporting oversize or overweight loads to ensure adherence to permit conditions.}', amount='{type=string, value=$1,000 - $10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390661, createdAt=1744198475086, updatedAt=1744198475086, name='{type=string, value=Paid Solicitor Bond}', description='{type=string, value=Necessary for paid solicitors to guarantee ethical fundraising practices.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$150}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390662, createdAt=1744198475087, updatedAt=1744198475087, name='{type=string, value=Payment Bonds}', description='{type=string, value=Ensure contractors pay subcontractors and suppliers, especially on public property projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390663, createdAt=1744198475088, updatedAt=1744198475088, name='{type=string, value=Performance Bonds}', description='{type=string, value=Guarantee completion of contractual obligations, particularly in large public construction projects.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390664, createdAt=1744198475089, updatedAt=1744198475089, name='{type=string, value=Perpetual Care Cemetery Fidelity Bond}', description='{type=string, value=Ensures proper management of funds for perpetual care cemeteries.}', amount='{type=string, value=$1,000 - $250,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390665, createdAt=1744198475090, updatedAt=1744198475090, name='{type=string, value=Private Career Education School Bond}', description='{type=string, value=Required for private career education schools to ensure compliance with state regulations.}', amount='{type=string, value=$5,000 - $100,000}', premium='{type=string, value=$37}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390666, createdAt=1744198475091, updatedAt=1744198475091, name='{type=string, value=Private Employment Agency Bond}', description='{type=string, value=Ensures private employment agencies adhere to state laws and protect clients.}', amount='{type=string, value=$5,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390667, createdAt=1744198475092, updatedAt=1744198475092, name='{type=string, value=Probate & Estate Bonds}', description='{type=string, value=Required for fiduciaries and estate administrators to ensure fulfillment of legal duties.}', amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390668, createdAt=1744198475093, updatedAt=1744198475093, name='{type=string, value=Process Server Bond}', description='{type=string, value=Mandatory for individuals serving legal documents to ensure ethical conduct.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390669, createdAt=1744198475094, updatedAt=1744198475094, name='{type=string, value=Professional Employer Organization Bond}', description='{type=string, value=Required for organizations providing employee leasing services to ensure compliance with regulations.}', amount='{type=string, value=$100,000}', premium='{type=string, value=$1,000}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390670, createdAt=1744198475095, updatedAt=1744198475095, name='{type=string, value=Public Official Bonds}', description='{type=string, value=Ensure public officials perform their duties ethically and in accordance with the law.}', amount='{type=string, value=$1,000 - $2,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390671, createdAt=1744198475096, updatedAt=1744198475096, name='{type=string, value=Residential Roofing Contractor Bond}', description='{type=string, value=Required for roofing contractors undertaking projects over $2,000 to ensure compliance with standards.}', amount='{type=string, value=$15,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390672, createdAt=1744198475097, updatedAt=1744198475097, name='{type=string, value=Right of Way Bonds}', description='{type=string, value=Necessary before performing construction work on publicly owned right of ways.}', amount='{type=string, value=$1,000 - $500,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390673, createdAt=1744198475098, updatedAt=1744198475098, name='{type=string, value=Scholarship Uniform Lottery Bond}', description='{type=string, value=Required for entities selling lottery tickets or using lottery equipment to ensure proper fund management.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=$50}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390674, createdAt=1744198475099, updatedAt=1744198475099, name='{type=string, value=State Highway and Transportation Department Contract Bond}', description='{type=string, value=Ensures contractors fulfill obligations on state highway and transportation projects.}', amount='{type=string, value=$1,000 - $100,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390675, createdAt=1744198475100, updatedAt=1744198475100, name='{type=string, value=Subdivision Bonds}', description='{type=string, value=Required before initiating construction in subdivisions to ensure completion of public infrastructure.}', amount='{type=string, value=$1,000 - $10,000,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390676, createdAt=1744198475101, updatedAt=1744198475101, name='{type=string, value=Summer Food Service Program Bond}', description='{type=string, value=Ensures compliance with regulations for providers of summer food services to children.}', amount='{type=string, value=$1,000 - $200,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390677, createdAt=1744198475102, updatedAt=1744198475102, name='{type=string, value=Supply Bond}', description='{type=string, value=Guarantees suppliers fulfill contracts to provide materials or supplies.}', amount='{type=string, value=$1,000 - $25,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390678, createdAt=1744198475103, updatedAt=1744198475103, name='{type=string, value=Surplus Lines Insurance Broker/Producer Bond}', description='{type=string, value=Required for brokers dealing with surplus lines insurance to ensure compliance with state laws.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390679, createdAt=1744198475104, updatedAt=1744198475104, name='{type=string, value=Third Party Administrator Bond}', description='{type=string, value=Ensures third-party administrators manage funds and claims in accordance with regulations.}', amount='{type=string, value=$25,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390680, createdAt=1744198475105, updatedAt=1744198475105, name='{type=string, value=Towing and Recovery Bond}', description='{type=string, value=Required for towing and recovery operators to ensure ethical business practices.}', amount='{type=string, value=$50,000}', premium='{type=string, value=$250}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390681, createdAt=1744198475106, updatedAt=1744198475106, name='{type=string, value=TTB Tobacco Bonds}', description='{type=string, value=Mandatory for businesses manufacturing or exporting tobacco products to ensure tax compliance.}', amount='{type=string, value=$100 - $250,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390682, createdAt=1744198475107, updatedAt=1744198475107, name='{type=string, value=Used Tire Transporter Bond}', description='{type=string, value=Required for transporters of used tires to ensure proper disposal and environmental compliance.}', amount='{type=string, value=$10,000}', premium='{type=string, value=$100}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390683, createdAt=1744198475108, updatedAt=1744198475108, name='{type=string, value=USTOA Indemnity Bonds}', description='{type=string, value=Required for active members of the USTOA $1 Million Travelers Assistance Program to protect consumers.}', amount='{type=string, value=$1,000,000}', premium='{type=string, value=Subject to Underwriting}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}, {id=188601390684, createdAt=1744198475109, updatedAt=1744198475109, name='{type=string, value=Utility Bond}', description='{type=string, value=Required by utility companies to ensure timely payment of utility bills by customers.}', amount='{type=string, value=$100 - $100,000}', premium='{type=string, value=$40}', state='{type=option, value={id=2, name='arkansas', order=1, label='Arkansas'}}'}]

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