Arkansas has a tow-specific rule from its Towing & Recovery Board: tiered on-hook/cargo coverage of $50,000 light-duty, $100,000 medium-duty, and $200,000 heavy-duty, plus $50,000 garagekeepers. Auto liability is the $25,000/$50,000/$25,000 Arkansas state floor, plus the federal Part 387 schedule where it applies.
Law: Ark. Code § 27-22-104; 27 CAR § 170-109(b)(1); 49 CFR Part 387 (the rule's '45 C.F.R. § 387.9' is a scrivener's error — Part 387 is in Title 49) · 27 CAR § 170-109(b)(2)(A); GVWR bands per § 170-107(d)(1)(A) · 27 CAR § 170-109(b)(3) · 27 CAR § 170-109(b)(2)(A) · 27 CAR § 170-109(a), (c)
Weight / class variation: On-hook/cargo tiers by duty class (Light 9,000–15,000 lbs; Medium 15,001–33,000 lbs; Heavy 33,001+ lbs GVWR). Auto liability incorporates 49 CFR 387.9 GVWR/commodity tiers.
Tow-specific rule (Arkansas Towing & Recovery Board, 27 CAR Part 170). Tiered on-hook/cargo figures confirmed adopted — rules effective August 23, 2023, codified at 27 CAR § 170-109(b)(2)(A). Verified 2026-10-14: all fields confirmed from the current codified Arkansas rule. Auto liability: the Board rule states no dollar figure; the state floor is Ark. Code § 27-22-104 and the federal schedule is 49 CFR 387.9.
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Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.