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31 Years in Business

100% Customer Satisfaction

6 Knowledgeable Advisors

Multiple coverage options to choose from

Coverage that protects your company, so you can get back to business.

As a business owner, you invest your energy into building something lasting, and you deserve insurance that reflects that commitment. At Sargent Insurance Agency, we offer customized business insurance solutions across Arkansas. Our goal is to help you protect your hard work so you can focus on what’s most important: running your business.

Commercial Property Insurance

Protect the physical assets that keep your business running. From your building and inventory to furniture, equipment, and tools, commercial property insurance helps cover losses from fire, theft, vandalism, or natural disasters. We’ll assist you in finding the right coverage to ensure that repairs or replacements won’t come out of your pocket.

General Liability Insurance

Coverage for the unexpected, so a single accident doesn’t threaten your livelihood. General liability insurance protects you if your business is found responsible for injury or property damage. Whether a customer slips and falls at your shop or you accidentally damage a client’s property, this coverage can help manage legal costs, settlements, and medical expenses.

Business Owners Policy (BOP)

Bundled protection for small to mid-sized businesses. A Business Owners Policy combines property and liability insurance into one convenient package, often at a lower cost than buying policies separately. It’s ideal for small business owners looking to simplify their coverage without losing protection.

Workers Compensation Insurance

Coverage that cares for your team when accidents happen. If an employee is injured or becomes ill while on the job, workers compensation insurance helps cover medical costs, lost wages, and rehabilitation. It’s required in most states and shows your employees that you support them.

Commercial Auto Insurance

Protect the vehicles that drive your business forward. Whether you have a single work truck or an entire fleet, commercial auto insurance covers your business vehicles in the event of accidents, property damage, or liability claims. If your team drives for work, having this coverage is essential.

Commercial Umbrella Insurance

Extra protection when large claims exceed your other policy limits. Umbrella insurance serves as a safety net, extending liability coverage beyond your standard business policies. It can help guard against financially devastating lawsuits or claims, giving you peace of mind as your business grows.

Errors & Omissions Insurance

If a client accuses your business of providing incorrect advice or making an error that caused them financial harm, professional liability insurance can cover legal defense costs and settlements. It’s crucial for consultants, service providers, and licensed professionals.

Inland Marine Insurance

Coverage for mobile tools, equipment, and goods in transit. This policy protects assets that are in motion, such as contractor tools, electronics, or items transported between job sites. If you’re often on the go, this flexible coverage fills the gaps left by standard property policies.

Cyber Liability Insurance

Protect your business from digital threats and data breaches. If your systems are hacked or customer data is stolen, cyber liability insurance helps with recovery costs, legal fees, and notification expenses. In today’s world, every business with an online presence needs cyber protection.

Employment Practices Liability Insurance (EPLI)

Protect your business from employee-related claims. From wrongful termination to harassment and discrimination, EPLI covers legal expenses if an employee sues your business over workplace practices. It’s an important layer of protection in today’s employment environment.

Surety Bonds

Guarantees that build trust in your business. Surety bonds offer a financial guarantee that your business will meet contractual obligations. Whether you work in construction, cleaning, or consulting, bonds can help you secure more contracts and increase client confidence.

Directors & Officers Insurance

In today’s complex business environment, Directors & Officers (D&O) claims from various stakeholders present serious risks. D&O insurance protects the personal assets of company leaders when the company is unable or unwilling to cover their legal defense costs, settlements, or judgments.

Crime Insurance

Your company is exposed to numerous risks, including theft, vandalism, social engineering attacks, and employee fraud. These threats can result in significant financial loss if not properly addressed through proactive protection and insurance.

Liquor Liability Insurance

Whether you're hosting a special event or running a business that serves alcohol, there's always a risk involved. Liquor liability coverage is essential to protect against potential legal and financial consequences arising from alcohol-related incidents.

Enviromental Insurance

Today’s businesses face increasing exposure to environmental liabilities, which are typically not covered under standard liability or property insurance programs, leaving significant gaps in protection.

Equipment Breakdown Insurance

Commercial property insurance offers vital protection for your business by covering damages to equipment and machinery caused by fire, flood, or other external threats. It ensures business continuity by minimizing financial loss from unexpected property damage.

KeyPerson Life Insurance

As small businesses grow and mature, they typically rely on a core team of vital individuals whose roles and contributions are crucial to maintaining profitability and operational efficiency.

Fiduciary Liability Insurance

When selecting an employer, workers typically prefer companies that offer a diverse set of benefits. A well-rounded benefits package can significantly influence their decision-making, often outweighing other factors like salary alone.

Special Event Insurance

Special Event Insurance is a policy designed to safeguard your financial investment in significant occasions like weddings, milestone celebrations, or corporate events. It can cover a variety of unforeseen issues from cancellations and vendor no-shows to weather disruptions or property damage offering peace of mind so you can focus on enjoying the moment.

Captive Insurance

Captive Insurance empowers businesses to manage risk more effectively by creating their own insurance company. It allows you to reduce premium costs, customize coverage based on your unique risks, and gain greater transparency and control over claims and reserves. This strategic approach can lead to improved cash flow, tax advantages, and long-term financial benefits.

Commercial Flood Insurance

Most standard business insurance policies exclude flood-related damages. While businesses in low-risk zones may feel safe skipping this coverage, floods can still strike unexpectedly. Flood insurance is essential for safeguarding your property, equipment, and financial stability from water-related losses.

Get Business Insurance from People Who Know Business

At Sargent Insurance Agency, we’ve helped local Arkansas businesses thrive for generations. We’re family-owned, community-focused, and always here for you—whether you're just starting out or expanding your operations.

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