Medicare

Medicare is a federal health insurance coverage for qualified individuals. You can qualify for Medicare coverage if you’re 65 years old, have specific disabilities, or have end-stage renal disease. Medicare coverage can be complex, so it’s beneficial to speak with an agent before choosing your coverage.

What Is Medicare?

Medicare is multi-part healthcare coverage for qualified individuals. Once you determine whether or not you want to enroll, you will have to decide which parts you will enroll in. The parts of Medicare include the following:

Part A, also known as hospital insurance, includes health care costs associated with hospital stays and limited stays at a nursing home, hospice care and some costs for home health care. Part of Original Medicare.
Part B, also known as medical insurance, is for everyday health care expenses, any outpatient care you might receive, specific medical supplies and preventive care. Part of Original Medicare.
Part C, also known as Medicare Advantage, is an alternative to Original Medicare. It becomes your primary coverage; most Medicare Advantage Plans include Part D Medicare prescription drug coverage. Some Medicare Advantage Plans offer additional dental and vision coverage and fitness memberships.
Part D, also known as prescription drug coverage, will help cover the costs of medications prescribed for your health condition. Individual Medicare drug coverage plans use a formulary developed by a pharmacy and therapeutics committee composed of pharmacists and physicians to regulate which medications they’ll cover.
Medigap, also known as Medicare Supplemental Insurance, is a supplemental health insurance program to cover health care costs that Original Medicare does not. You can only purchase Medigap insurance if you’re enrolled in Original Medicare. It cannot be used with a Medicare Advantage Plan.

When Do I Enroll in Medicare?

The enrollment process for Medicare can be a little different for everyone. Be sure to check with your Social Security Administration three months before your expected start date of Medicare to be sure everything is in order if you are eligible for automatic enrollment. Automatic enrollment is available for you if you:

Are you already receiving Social Security benefits (at least four months before start)
Receive U.S. Railroad Retirement Board (RRB) benefits (at least four months before start)
Are under age 65 but have a Social Security disability for 24 months
Have amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease or ESRD)

If you are about to turn 65 or are not receiving Social Security benefits, you will have to enroll on your own. Enrollment can vary based on individual circumstances, so be sure to contact an agent if you have questions about your enrollment process.

How to Get Started With Medicare

Medicare is a complex coverage that you shouldn’t have to navigate alone. Reach out to an agent to learn more about your enrollment process today.

Workers’ Comp in Little Rock, AR

Workers’ compensation insurance provides financial protection when an employee is injured or becomes ill due to their job. Most Arkansas employers are required by law to carry workers’ compensation coverage.

Arkansas Workers’ Compensation Requirements

group of person on stairs Arkansas law generally requires businesses with three or more employees to carry workers’ compensation insurance. However, certain industries and business structures may have different requirements.

If you’re unsure whether your business needs coverage, Sunstar Insurance of Arkansas can help you evaluate your obligations and options.

What Workers’ Compensation Covers

A workers’ compensation policy typically includes:

Medical expenses for work-related injuries and illnesses, including doctor visits, emergency care, surgeries, physical therapy, and other necessary treatments.
Lost wages while an employee is unable to work due to a covered injury or illness.
Disability benefits for employees who experience temporary or permanent disability due to a covered incident or accident.
Rehabilitation services to help employees return to work through physical therapy, vocational training or job placement assistance.
Death benefits, including financial support to dependents, if a workplace injury results in loss of life.

Common Workplace Injuries

Businesses in Little Rock, AR face a variety of risks depending on their industry. Workers’ compensation can help cover incidents such as:

Slips, trips and falls
Strains from lifting or repetitive motion
Equipment-related injuries
Vehicle accidents during work duties
Exposure to hazardous materials

How Sunstar Insurance of Arkansas Supports Employers

Local businesses trust us because we offer:

Personalized policy recommendations based on your industry, workforce and risk level
Access to top insurance carriers offering competitive rates
Guidance on workplace safety programs to help reduce claims
Responsive support when you need to file or manage a claim

Our team understands the needs of Arkansas employers and is committed to helping you protect your employees and your business.

Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Life Insurance in Little Rock, AR

Life insurance is one of the most meaningful ways to support the people you love. For families and individuals in Little Rock, AR, the right policy can provide financial stability during life’s most difficult moments.

Sunstar Insurance of Arkansas helps Arkansas residents understand their options and choose coverage that fits their needs, budget, and goals.

Why Life Insurance Matters for Arkansas Families

Life insurance plays a key role in helping families maintain financial well-being. Many households in Little Rock, AR rely on life insurance to:

Replace lost income
Cover funeral and final expenses
Pay off a mortgage or other debts
Support children’s education
Provide long-term financial stability

Types of Life Insurance Coverage

Term Life Insurance

Term life insurance provides coverage for a set number of years, such as 10, 20, or 30 years. It is often the most affordable option and works well for families who want strong financial support during key life stages, such as raising children or paying off a home.

Whole Life Insurance

Whole life insurance offers lifelong coverage and includes a cash value component that grows over time. This type of policy can support long-term financial planning, provide guaranteed benefits, and offer stability for families who want permanent coverage. Whole life insurance is often used for legacy planning, supplemental savings, and long-term family security.

Universal Life Insurance

Universal life insurance provides flexible coverage with adjustable premiums and a cash value component. It allows policyholders to adapt their coverage as their needs change. This option works well for individuals who want both long-term coverage and financial flexibility.

Final Expense Insurance

Final expense insurance is designed to help cover end-of-life costs, including funeral expenses and outstanding bills. It is typically easier to qualify for and offers smaller benefit amounts.

Who Needs Life Insurance in Arkansas

Life insurance is valuable for people at many stages of life, including:

Young families building financial security
Homeowners with a mortgage
Single parents who want to ensure their children’s future
Business owners planning for continuity
Retirees seeking to cover final expenses
Anyone who wants to leave a financial legacy

If someone depends on you financially, life insurance is an important part of your planning.

How Sunstar Insurance of Arkansas Helps You Choose the Right Policy

As an Arkansas-based agency, Sunstar Insurance of Arkansas understands the needs of families in Little Rock, AR. You receive personal support from professionals who know the local area and the financial concerns residents face.

If you are exploring life insurance for the first time or reviewing your current coverage, our team is here to help. We provide guidance, answer your questions, and help you compare policies that fit your needs.

Contact Sunstar Insurance of Arkansas to help you compare policies that fit your needs.

Homeowners Insurance in Little Rock & Jonesboro, AR

Arkansas is known for its stunning landscapes, welcoming communities and the comfort of southern living. At Sunstar Insurance of Arkansas, we understand that your home is more than just a building; it’s the epicenter of your life, and it’s crucial to have appropriate homeowners insurance coverage.

Why Sunstar Insurance of Arkansas is the Right Choice for Homeowners

With a deep understanding of Arkansas communities, we tailor our policies to meet the specific challenges and needs of living in the Natural State. From traditional homes to mobile homes and even vacation properties, our insurance solutions are designed to cover a wide range of housing types.

What Does Homeowners Insurance Cover?

Homeowners insurance typically includes the following core coverages:

Dwelling protection may help cover the structure of your home, including walls, roof and built-in appliances, against perils like fire, storms and vandalism.
Personal property coverage may help pay to replace or repair your things if they are damaged or destroyed in a covered event, up to the policy’s limits.
Liability coverage may help protect you from financial strain if someone sues you for property damage or personal injury on your property. This coverage pays only up to the policy’s limits.
Additional living expenses coverage may help reimburse you for costs related to necessary temporary relocation if your home becomes uninhabitable due to a covered event.

Your agent may recommend adding special endorsements to help cover high-value items, flood damage and specific events like damage from water backup.

Contact Us

At Sunstar Insurance of Arkansas, our mission is to offer you robust, comprehensive homeowners insurance solutions that enable you to live your life in Arkansas to the fullest. Contact us today to get appropriate homeowners insurance coverage at a favorable rate.

Health Insurance

Having the right health insurance coverage to suit your needs is essential to your overall well-being. Health insurance helps pay medical expenses, including treatment for severe medical conditions and preventive care. This coverage may reduce how much it costs to get necessary health care. Contact our agency to learn more about your health insurance options and to get a quote.

Is Health Insurance Required?

There are no laws that require individuals to carry health insurance. Access to health insurance coverage can help minimize the costs of preventive care and medical treatment. With a health insurance plan, you’ll have access to doctors and hospitals, typically at a lower price than you’d pay if you were uninsured. If you need assistance determining which health insurance options best suit your needs, contact an agent.

What Are My Health Insurance Options?

There are several health insurance plans and additional coverage options to help you access necessary health care services, including:

Individual and family plans.
Group health insurance plans.
Vision and dental insurance.
Prescription insurance.
Health savings accounts (HSAs).
Disability insurance.
Supplemental insurance.
Long-term care (LTC) insurance.
Travel health insurance.
Medical expense health insurance.

Our agents can help evaluate your situation, recommend coverages that fit your budget and help you choose a health insurance company.

How to Get Health Insurance

Sunstar Insurance of Arkansas is prepared to help you determine the best coverage option for your health care needs. To learn more about health insurance or to get started with a policy, reach out to an agent today.

General Liability Insurance

General Liability Insurance for Arkansas Companies

Organizations of all sizes and industries can benefit from a robust general liability insurance policy.

Operating a business can be unpredictable, and insurance can help owners recover from the financial impact of incidents such as theft, severe weather, lawsuits and accidents, making it an essential part of risk management for businesses.

What is it?

General liability insurance is a fundamental component of most business insurance portfolios. It offers financial protection against some of the most common risks businesses encounter, such as third-party bodily injury, property damage and advertising injury.

What Does it Cover?

A typical general liability insurance policy can provide financial support for the following:

Bodily injury and property damage liability can cover legal fees, settlements and judgments if your business is responsible for causing injury to someone or damage to their property.

Personal and advertising injury can cover claims related to defamation, slander, copyright infringement or other advertising-related issues.

Medical payments can pay for medical expenses if someone is injured on your business premises, regardless of fault.

Damage to rented premises can help cover damage caused by your business to a property you rent for your operations (e.g., fire damage to an office).

Personal injury protection can protect against claims of personal injuries, such as mental anguish or reputational harm, in specific cases.

It is important to note that while general liability insurance covers many third-party risks, it does not cover every potential risk a business may face, such as professional errors (covered by professional liability insurance), damage to business-owned property, or employee-related claims (covered by workers’ compensation or employment practices liability insurance).

How Much is it?

The following factors can influence your insurance costs:

Business size

Annual revenue and payroll

Location

Coverage limits

Deductible amounts

Claims history

Industry-specific risks

Why is it Important?

This type of insurance can be essential in helping a business financially recover from a covered incident. Lawsuits can be costly to defend, and this offers businesses a financial safety net. Without it, they would have to pay out of pocket for expenses related to claims.

Where to Get General Liability Insurance

Contact SunStar Insurance of Arkansas today to discuss your business insurance portfolio.

Commercial Auto Insurance

Businesses that rely on vehicles for their operations should consider purchasing a commercial auto insurance policy. Certain federal or state laws may mandate that commercial vehicles and drivers have adequate commercial auto insurance. If you need commercial auto insurance or want to ensure your business is in compliance with applicable regulations, contact Sunstar Insurance of Arkansas today.

What Is Commercial Auto Insurance?

A commercial auto insurance policy can help cover the costs (e.g., damaged property and/or medical expenses) of an auto accident that may be caused by you or another employee. Generally, commercial auto coverages include liability, collision, medical, comprehensive and uninsured/underinsured motorist coverage. There are additional coverages a business may need to add to their commercial auto insurance coverage. Our agency can help you review your business’s insurance needs and ensure you have the appropriate coverages.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance comprises various coverages, including:

Liability coverage may provide repair costs for the other person’s vehicle or property. It also can provide coverage for the legal fees associated with a lawsuit for personal injury.
Comprehensive coverage can provide complete protection for damages unrelated to an accident, such as losses related to theft, floods, vandalism and fires.
Collision coverage may cover vehicle repair costs if an insured vehicle collides with another vehicle or object. Collision insurance may also help replace a totaled vehicle.
Medical payment may provide coverage for passengers and the driver when there is a need for medical care resulting from an accident.
Uninsured motorist coverage provides bodily injury coverage if an uninsured driver hits a business’s vehicle and injures its driver and passengers. Some uninsured motorist coverage also covers damage to the company vehicle.
Underinsured motorist coverage provides coverage if an underinsured driver hits a business’s vehicle and injures its driver and passengers. Some underinsured motorist coverage also covers damage to the company vehicle.

Policy endorsements may be available to your business to help round out your policy. Add-ons may include roadside assistance coverage, towing reimbursement, hired non-owned coverage, rental reimbursement and gap coverage for auto loans or leases.

How to Get Commercial Auto Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Sunstar Insurance of Arkansas today for a quote or to discuss your commercial auto insurance needs.

Business Insurance

Business insurance, also called commercial business insurance or commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call Sunstar Insurance of Arkansas today to learn more or to get a free, no-obligation quote.

Business Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:

General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact Sunstar Insurance of Arkansas today to discuss your insurance needs.

How to Get Business Insurance

If you need business insurance solutions, we’re here to help. Give Sunstar Insurance of Arkansas a call today to get started.

Auto Insurance Coverage in Little Rock, Arkansas

Part of being a responsible vehicle owner is obtaining an appropriate insurance policy. Navigating your auto insurance requirements and options may be overwhelming, but it’s essential to do your due diligence. Auto insurance is typically not a one-size-fits-all, making it necessary to understand what coverage to consider for your vehicle type, usage and local regulations.

What Auto Insurance is Required in Arkansas?

Arkansas, like most states, requires a certain amount of liability coverage. The following are the two types of liability coverage:

Property damage coverage can help financially safeguard your assets if you are found legally responsible for a covered accident. It can help cover the cost of certain types of damage you may have caused to someone else’s property or vehicle.
Bodily injury coverage can help financially safeguard your assets if you’re found legally responsible for a coverage accident, including certain expenses, such as medical bills, associated with bodily harm sustained by a third party.

Optional Auto Insurance Coverage

While the following types of coverage are not required, they are recommended to financially prepare for the unexpected:

Comprehensive coverage can offer financial support for vehicle damage in the event of noncollision-related incidents such as theft, vandalism, severe weather, incidents with animals and falling objects. Lenders often require comprehensive insurance if you have a car loan.

Collision coverage can help reimburse you for damage to your vehicle that resulted from a collision with another car or object.

Uninsured/underinsured coverage can help financially protect you if you’re involved in an accident with a driver who’s at fault and doesn’t have sufficient insurance to cover the damage.

Learn More

For auto insurance near you, contact Sunstar Insurance of Arkansas.