Employee Benefits

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Dedicated advisors serving the unique needs of healthcare employers

The unprecedented challenge for clinical talent combined with uncertain economic conditions has created a very challenging environment for HR and employee benefits leaders at healthcare organizations. Employee burnout and pandemic-induced mental health challenges along with renewed corporate benefits cost scrutiny, means healthcare leaders are being pushed to innovate and solve complex problems now, more than ever.  

The Risk Strategies National Healthcare Practice is dedicated to serving healthcare clients and has a deep understanding of this unique benefits landscape. We help our clients compete for talent and drive savings by creating a differentiated, value-driven benefits package. Our industry-leading self-funded medical plan analysis and curated stop-loss programs for healthcare companies enable our clients to use their dollars more effectively while adequately protecting their balance sheet. 

Who we serve

We specialize in consulting and brokerage services dedicated to serving the unique needs of the healthcare industry including hospitals, medical groups, healthcare systems, health plans, senior living homes, and more. 

From Accountable Care Organizations to narrow networks, physician practices to on-site pharmacies, healthcare organizations are complex. We create healthcare-specific solutions, custom designed to address the unique nature of your organizational structure and internal constituents. From Specialty Pharmacy strategies and onsite pharmacies to stop loss and domestic optimization – we have you covered.

We also look beyond benefits and help you grow your business. By facilitating Direct-to-Employer and clinical bundle strategies, providing reinsurance solutions, and serving as the “voice of the market,” we help our clients bring their value-based strategies to the market.

Benefit services

We offer a full range of employee benefit services including:

  • Market-leading, Healthcare-specific Employer stop loss and Captive programs
  • Healthcare Specific Benefits – Domestic/tiered networks, Executive and Physician compensation/income protection, Student Health, Life and Disability, Paid Leave
  • Direct-to-Employer Strategy
    • Clinical Bundles
    • Full network carve-out
    • Network and partner strategy
    • Distribution/Voice of the Market
  • Value-Based Care strategy and optimal risk framework/revenue maximization
  • Best In Class Self‐Funded Program diagnostic and consulting
  • GPO Vendor Partnerships and Programs
  • Healthcare-specific Pharmacy Solutions including 340b
  • White Labeled Telemedicine Programs
  • Benefit/HR Technology
  • Communication and Engagement
  • Wellbeing

Healthcare is unique. Designing a differentiated, value-driven benefits program in this challenging environment requires a partner with an in-depth understanding of the healthcare industry. 

Ready to experience the difference that a dedicated healthcare partner can bring? Connect with the Risk Strategies National Healthcare Practice to learn more.

Practice Leadership

Jason Ellison

Employee Benefits Leader, National Healthcare Practice

[BlogPost 189559868946 Compliance Reminder: Upcoming Form 5500 Deadline for Calendar Year Plans, BlogPost 189241553937 Ohio Insured Plans Now Must Cover Childhood Hearing Aids]

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$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 - 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$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 - 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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'}}'}]
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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.

}', state='{type=option, value={id=1, name='california', order=0, label='California'}}', link_text='{type=string, value=Learn more}'}, {id=187921817602, createdAt=1743001070202, updatedAt=1743005590594, amount='{type=string, value=Varies}', premium='{type=string, value=Subject to Underwriting}', name='{type=string, value=Sample Arkansas Bond}', link='{type=string, value=#}', description='{type=string, value=

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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