Arkansas Code
Chapter 114 - Service Contracts Act
§ 4-114-105. Required disclosures — Reimbursement insurance policy

(a) Reimbursement insurance policies insuring service contracts issued, sold, or offered for sale in this state shall state that the insurer that issued the reimbursement insurance policy shall:
(1) Reimburse or pay on behalf of the provider any covered sums the provider is legally obligated to pay; or
(2) In the event of the provider's nonperformance, shall provide the service that the provider is legally obligated to perform according to the provider's contractual obligations under the service contracts issued or sold by the provider.

(b) In the event covered service is not provided by the provider within sixty (60) days of proof of loss by the service contract holder, the service contract holder is entitled to apply directly to the reimbursement insurance company.