Free Arkansas Liability Waiver Form
An Arkansas liability waiver form in Word, with the strict construction rule, signing for minors, activity statutes and electronic signatures.
- Pre-injury releases of negligence
- Enforceable, strictly construed
Jordan v. Diamond Equipment & Supply Co. - Parent signing for a minor
- Unsettled
Ark. Code Ann. § 9-25-101 - Gross negligence
- Cannot be released. Ark. Code Ann. § 16-120-202
- Electronic signatures
- Uniform Electronic Transactions Act, Ark. Code Ann. §§ 25-32-101 et seq.
- Personal-injury limitation period
- 3 years, Ark. Code Ann. § 16-56-105
- Research status
- Reviewed against primary sources on . General information, not legal advice.
Arkansas will enforce a waiver that hands a business immunity from its own carelessness, but it does so without enthusiasm. The Supreme Court has been saying for over a hundred years that it does not favour these contracts, because public policy encourages people to take care, and the rules that flow from that disfavour decide most Arkansas waiver disputes. Read the clause strictly against the business that drafted it. Ask whether it clearly identifies the negligent liability being given up. Then look past the page at how the transaction actually happened.
This page is written for the businesses that need a release in Arkansas: float trip outfitters on the Buffalo and the Caddo, hunting lease operators, riding stables and arenas, gyms, trampoline parks, climbing walls and event organisers. It covers the leading cases, the open question about children, the line the courts and the Legislature have drawn around serious misconduct, the electronic signature statute, and how to adapt the downloadable Word form. It is general information and not legal advice, so have an Arkansas lawyer read your form before anyone signs it.
How Arkansas treats liability waivers
An exculpatory contract, in the Arkansas phrase, is one in which a party seeks to absolve himself in advance of the consequences of his own negligence. Such contracts are not invalid on their face. What the courts have said instead, in a line running from Gulf Compress in 1909 through Arkansas Power and Light, Middleton and Farmers Bank of Greenwood v. Perry, is that they are disfavoured, and two rules of construction follow. First, the clause is strictly construed against the party relying on it. Second, avoiding liability for negligence by contract is not impossible, but the contract must at least clearly set out what negligent liability is to be avoided.
The second half of the analysis is the part operators tend to miss. Arkansas does not confine itself to the four corners of the document. In Plant v. Wilbur, a case about a spectator and pit crew member struck by flying debris at a dirt track near Pea Ridge, the Supreme Court adopted a total transaction approach and enforced the release. It mattered that the man had signed the same form at least a dozen times, that he was not forced to sign, that he had watched wrecks at that track before, and that auto racing is dangerous recreation touching a narrow segment of the public rather than a public utility or common carrier that people must use to get through life.
Finagin v. Arkansas Development Finance Authority added the shorthand that Arkansas courts now recite. An exculpatory clause may be enforced when the signer is knowledgeable of the potential liability released, when the signer is benefiting from the activity that may lead to that liability, and when the contract containing the clause was fairly entered into. Jordan v. Diamond Equipment applied all of it to a man who rented a skid steer loader for a day, was severely injured when it overturned on a slope, and lost. He had solicited the rental, paid for the machine, had the clause pointed out twice on the page he signed, and offered no evidence of fraud, duress or unequal bargaining.
Farmers Bank of Greenwood v. Perry is the other end of the spectrum and the more useful warning. A signature card for a safe deposit box said the customer holds the bank harmless for loss of currency or coin. When the branch was burgled, the bank tried to put that card in front of the jury. The trial judge excluded it and the Supreme Court agreed, because the wording never exempted the bank from liability for its own negligence. For an Arkansas outfitter, the practical translation is that a friendly sentence about assuming risk is not a release, and the three year clock in section 16-56-105 gives a customer a long time to find that out.
Waivers signed for minors in Arkansas
Arkansas has not answered the question every camp, riding school and youth paddling programme wants answered. No reported Arkansas appellate decision found in this research pass holds that a parent or guardian can release a child's own future injury claim, and none holds that a parent cannot. The point is genuinely open, and an operator who builds a safety plan on the assumption that a guardian signature ends the matter is betting on an untested proposition.
What surrounds the gap is clear enough to plan around. Section 9-25-101 of the Arkansas Code sets majority at eighteen for all purposes, so a fifteen year old who signs your form alone has not bound himself to anything you can rely on. Section 16-56-116 lets a person who was under age when the claim accrued bring the action within three years after attaining full age, which in practice means a child injured at seven can still sue at twenty. And money recovered for a child does not simply pass to the parent: the guardianship framework in title 28, chapter 65 of the Arkansas Code puts a guardian of the estate under probate court supervision, with accounting duties to match.
So collect the guardian signature, and collect it for what it is actually good for. It records informed consent to the child's participation, it documents that the family was told what the activity involves, it authorises emergency medical treatment, and it releases whatever claims the parent holds in her own right, such as medical expenses. It is evidence, not a shield. Pair it with staffing ratios you can defend, equipment checks you can prove, and insurance sized for a claim that may not arrive until the child is grown. Retention should follow the same logic: keep a minor's file well past the child's twenty first birthday, not three years past the trip.
What the waiver must say to hold up in Arkansas
Start with the negligence sentence, because that is where Arkansas releases fail. Say in plain words that the participant releases the named business, its owners, employees, guides, instructors and agents from claims for injury, death and property loss, including claims caused by their negligence. Jordan shows the word negligence is not a strict formula, since a clause covering damages due to neglect, mechanical failure, or any other cause whatsoever was held to identify the liability avoided. But Plant's release named negligence in three separate passages and survived, while the bank's hold harmless line in Farmers Bank named nothing and died. Choose the version that has never lost.
Presentation is a factor, not a statutory test. Arkansas has no conspicuousness definition of the sort some states borrow from the commercial code. Instead the trial court in Jordan weighed where the clause sat, whether it was set apart and conspicuous, and whether the language was clear, unambiguous and free of legal jargon, and the Supreme Court affirmed on that reasoning, adding that the clause was not inordinately long or complicated. Plant's release put its operative verbs in bold. Give the release its own heading, keep it out of a wall of uniform terms, keep the sentences short, and add a separate initials line beside it so the record shows the participant's attention was drawn there.
Then protect the transaction, not just the text. Arkansas will hold a signer to the contents of the papers he signs, which is how a clause on the reverse of a rental invoice survived in Jordan, but that is the weakest ground to argue from. Publish the form in advance so customers can read it before they arrive at the put-in or the front desk. Let people read it unhurried, and never fill it in on someone's behalf. Describe your real risks specifically, cold water and strainers for a float trip, kicks and falls for a stable, so the knowledge factor in Finagin is documented rather than assumed. Note the price paid and the fact that participation is voluntary recreation, both of which mattered in Plant.
Gross negligence and what an Arkansas waiver cannot cover
Arkansas has no decision squarely holding whether an exculpatory clause can bar a claim for willful, wanton or intentional misconduct, so treat the question as open and draft conservatively. Every signal runs the same direction. The rule the Supreme Court keeps repeating is limited on its face to negligent liability, and Farmers Bank explained that releases given before liability arises are invalidated because of the strong public policy of encouraging the exercise of care. A clause claiming to wipe out everything an operator might ever do invites a judge to read the entire document as overreaching.
The Legislature drew the same line wherever it granted immunity by statute. Section 16-120-202, the equine and livestock activity provision, shelters sponsors and facilities from inherent risk claims but withdraws that shelter for faulty tack or equipment, failing to make a reasonable effort to determine a rider's ability, an unwarned dangerous latent condition of the land, willful or wanton disregard for the safety of a participant, and intentionally injuring a participant. Section 18-11-307 preserves liability for a malicious, but not merely negligent, failure to guard or warn against a known ultra hazardous condition. Arkansas is consistent: ordinary carelessness can be allocated by agreement or by statute, and conduct worse than that cannot.
Write that limit into the form. State expressly that nothing in the release applies to willful, wanton, reckless or intentional conduct, and add a severability clause so that if a court strikes one sentence the rest of the document survives. Then buy the protection a waiver was never going to give you. Equine operators need the statutory WARNING signage in black letters at least one inch high. Amusement ride and attraction operators need a safety inspection and at least one million dollars of liability cover per occurrence under section 23-89-505. Gyms should keep the release separate from the membership contract, because the Health Spa Consumer Protection Act makes a non compliant contract voidable at the buyer's option and bars the buyer from waiving its protections.
Electronic signatures in Arkansas
Arkansas enacted the Uniform Electronic Transactions Act at title 25, chapter 32 of the Arkansas Code. Section 25-32-107, headed legal recognition of electronic records, electronic signatures, and electronic contracts, provides that a record or signature may not be denied legal effect or enforceability solely because it is in electronic form, that a contract may not be denied legal effect solely because an electronic record was used in its formation, that an electronic record satisfies a law requiring a record to be in writing, and that an electronic signature satisfies a law requiring a signature. A waiver signed on a tablet at the outfitter's counter is a waiver.
Two neighbouring sections carry the practical conditions. Section 25-32-105 applies the chapter only to transactions between parties who have each agreed to conduct the transaction by electronic means, and says that agreement is determined from the context and surrounding circumstances, including the parties' conduct. Section 25-32-109 provides that an electronic record or signature is attributable to a person if it was the act of that person, shown in any manner, including by the efficacy of a security procedure.
For an online Arkansas waiver that means three habits. Build in a visible step where the participant agrees to sign electronically, rather than assuming it. Capture enough identity and timing data to tie the signature to a human being: email or phone confirmation, a timestamp, an address. And preserve the exact version of the form that person saw, because Arkansas weighs the circumstances of signing, and a screen the participant could actually read is part of the circumstances you will want to prove.
How to use this form in Arkansas
Download the Word template and work through it placeholder by placeholder. Every square bracket is a decision: the legal name of your business, the activity, the location, the names of the entities and people you want released. Set Arkansas as the governing law and name your county, the county where you operate, in the governing law and venue clause, so a dispute is decided under the rules described above. Keep the release heading and its initials line where they are. Replace the generic risk list with the specific hazards of your operation, and delete the note to the business before you publish it. If you run horses, add the statutory warning language and put up the required signage. If you run a gym, keep the membership contract as a separate document. Then have an Arkansas attorney read the finished version.
To collect it online, paste each section into a Waiver.com template as its own text block, keep the release as a separate clearly headed block with an initials field, and add the participant and guardian fields you need, including date of birth so minors are flagged automatically. Publish a version before you take the first signature. Each signature is then tied to that published version with a timestamp, the electronic consent step is recorded, and the file can be pulled years later, which is what the three year period and the tolling rule for children actually require of you.
Sample wording
These are the clauses courts read most closely, quoted from the downloadable template. Square brackets are placeholders; replace [State] with Arkansas and review the whole document against the Arkansas sections above.
Acknowledgment and Assumption of Risk
I understand that [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity") involves inherent risks, dangers and hazards that cannot be eliminated regardless of the care taken to avoid injury. These risks include, without limitation: slips, trips and falls; collisions with other participants, spectators, equipment, structures or natural features; equipment that fails, is misused or is not properly adjusted; the conditions of the premises, weather, water or terrain; overexertion, dehydration, heat or cold; the actions or negligence of other participants; and the risk that staff may misjudge a participant's ability or the conditions. I understand that these risks may result in property damage, bodily injury, illness, permanent disability, paralysis or death.
I confirm that I am voluntarily choosing to take part with full knowledge of these risks. I ASSUME ALL RISKS OF PARTICIPATION, KNOWN AND UNKNOWN, INCLUDING RISKS ARISING FROM THE ORDINARY NEGLIGENCE OF THE RELEASED PARTIES, to the fullest extent permitted by the law of the governing state named below.
Release of Liability
In consideration of being permitted to take part in [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity"), I, for myself and on behalf of my heirs, executors, administrators, assigns and next of kin, RELEASE, WAIVE AND DISCHARGE [Business Name], its owners, officers, employees, agents, volunteers, contractors, insurers, landlords and affiliated entities (together, the "Released Parties") from all claims, demands, losses and liability for bodily injury, illness, death or property damage arising out of or related to my participation, WHETHER CAUSED BY THE ORDINARY NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE, to the fullest extent permitted by law.
This release does not apply to claims arising from gross negligence, recklessness, or intentional misconduct, or to any other claim that cannot be released under the law of the governing state named below.
Parent or Guardian Consent (for a participant under 18)
I am the parent or legal guardian of the minor participant named below and I have the legal authority to sign for them. I have read this document, I have explained the risks of [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity") to the minor in terms they understand, and I consent to their participation.
To the fullest extent permitted by the law of the governing state, I make every acknowledgment, release, waiver and promise in this document on behalf of the minor and on my own behalf, and I agree to indemnify the Released Parties against any claim brought by or on behalf of the minor to the extent the law allows. I understand that some states limit or do not allow a parent to release a minor's claims, and that in those states the minor's own claims may not be affected by my signature.
I authorize [Business Name] to obtain emergency medical treatment for the minor if I cannot be reached, and I agree to pay for that treatment.
The Arkansas liability waiver, ready to edit.
An editable Word document with every section above, bracketed placeholders, signature blocks for an adult and for a parent or guardian, and a note reminding you to have a local attorney review it. Free, no email required.
Word (.docx), about 1300 words. This is a general template, not legal advice.Arkansas liability waiver questions
Does Arkansas enforce liability waivers?
Yes, but grudgingly. The Arkansas Supreme Court has said repeatedly that contracts exempting a party from liability for its own negligence are not favoured by the law, because public policy encourages the exercise of care. Two rules follow: the clause is construed strictly against the business relying on it, and it must at least clearly set out what negligent liability is to be avoided. Courts then look past the wording at the whole transaction.
What are the Finagin factors?
They are the three circumstances Arkansas courts recite when deciding whether to enforce an exculpatory clause, taken from Finagin v. Arkansas Development Finance Authority and applied in Jordan v. Diamond Equipment: the signer was knowledgeable of the potential liability being released, the signer was benefiting from the activity that could create that liability, and the contract containing the clause was fairly entered into. They are weighed together with the words on the page.
Does an Arkansas waiver have to use the word negligence?
There is no magic word requirement. In Jordan the Supreme Court upheld a rental clause saying the company was not responsible for damages due to neglect, mechanical failure, or any other cause whatsoever. But in Farmers Bank of Greenwood v. Perry a sentence holding the bank harmless for loss of currency or coin failed precisely because it never exempted the bank from its own negligence. Naming negligence is the only sensible drafting choice.
Can a parent sign away a child's right to sue in Arkansas?
The question is unsettled. No reported Arkansas appellate decision decides whether a parent or guardian can release a child's own injury claim before the injury happens, so an operator should not assume the signature bars the child's suit. Majority arrives at eighteen, and a child's claim is tolled until three years after full age, so the exposure is long. Collect the guardian signature anyway for consent, risk disclosure and emergency treatment.
How long does someone have to sue in Arkansas?
Three years. Section 16-56-105 of the Arkansas Code is headed three-year time period and covers actions founded on any contract or liability, expressed or implied, which is the clause ordinary personal injury claims run under. Section 16-56-116 lets a person who was a minor or insane when the claim accrued sue within three years after the disability is removed. Some specialised claims run on shorter periods, so check the rule for your activity.
Are electronic waivers valid in Arkansas?
Yes. Arkansas enacted the Uniform Electronic Transactions Act at title 25, chapter 32 of the Arkansas Code. Section 25-32-107 says a record or signature may not be denied legal effect or enforceability solely because it is in electronic form, and that an electronic record satisfies a law requiring a writing. Section 25-32-105 applies the chapter only between parties who have agreed to transact electronically, and section 25-32-109 attributes a signature to a person if it was that person's act.
Do I need warning signs as well as a waiver for horses?
Yes, if you run equine or livestock activities. Section 16-120-202 of the Arkansas Code gives sponsors, owners and facilities protection from claims arising out of the inherent risk of those activities, but it also requires visible signs carrying the statutory WARNING text in black letters at least one inch high. The same section withdraws protection for faulty tack, failing to assess a rider's ability, unwarned dangerous conditions, willful or wanton disregard for safety, and intentional injury.
Does the recreational use statute protect a paid hunting lease?
Probably not. Section 18-11-304 says a landowner owes no duty to keep the premises safe for others entering for recreational purposes, but section 18-11-307 removes that shelter where the owner charges the people who come on the land for recreational use, and also where the owner maliciously fails to guard or warn against a known ultra hazardous condition. A lease that takes money from hunters sits outside the immunity, which is where a signed waiver earns its keep.
Official Arkansas resources
- Arkansas General Assembly (Arkansas Code and Constitution)
- Arkansas Judiciary
- Arkansas Bar Association
- Legal Aid of Arkansas
- Arkansas Supreme Court and Court of Appeals opinions
Activity-specific Arkansas statutes
- Equine and livestock activity liability, Ark. Code Ann. §§ 16-120-201 to 16-120-202Sponsors, owners and facilities are not liable for injury or death of a participant resulting from the inherent risk of equine or livestock activities, subject to exceptions for faulty tack or equipment, failure to make a reasonable effort to determine a participant's ability, an unwarned dangerous latent condition of the land, willful or wanton disregard for safety, and intentional injury. Section 16-120-202 requires visible warning signage carrying the statutory WARNING text in black letters at least one inch high. Section 16-120-201 defines equine activity broadly, down to rides and hunts however informal or impromptu, and defines a participant to include anyone who engages in the activity whether or not a fee is paid.
- Recreational use of land and water, Ark. Code Ann. §§ 18-11-301 to 18-11-307Section 18-11-304 says an owner of land owes no duty of care to keep the premises safe for entry or use by others for recreational purposes, or to warn of a dangerous condition, structure, use or activity, except as section 18-11-307 provides. Section 18-11-302 defines recreational purpose broadly, from hunting and fishing to hiking and aviation. Section 18-11-307 preserves liability for a malicious, but not merely negligent, failure to guard or warn against a known ultra hazardous condition, and for injury where the owner charges for recreational entry, which is why a paid hunting lease or a gated paid access arrangement should not be treated as covered.
- Amusement Ride and Amusement Attraction Safety Insurance Act, Ark. Code Ann. §§ 23-89-501 et seq.Section 23-89-501 gives the subchapter its name. Section 23-89-505 conditions operation on a safety inspection and on liability insurance from an insurer authorised to do business in Arkansas, in a minimum amount of one million dollars for each incident or occurrence, with proof filed as the section directs. Section 23-89-503 exempts nonmechanised playground equipment, rides run by nonprofit religious, educational or charitable institutions, coin operated rides at retail premises, and rides run by the state or its subdivisions. The Act regulates insurance and inspection; it says nothing that makes a waiver enforceable.
- Health Spa Consumer Protection Act, Ark. Code Ann. §§ 4-94-101 et seq.Section 4-94-101 names the Act. Section 4-94-105, headed void contracts, makes a health spa services contract that does not comply with the chapter voidable at the buyer's option, allows a contract to be voided where the seller gave fraudulent or misleading information, routes unfair and deceptive practice enforcement through the Attorney General, and bars a buyer from waiving the chapter's protections. Section 4-94-103 confirms the chapter is not exclusive. A gym cannot use its waiver to contract around these consumer terms, so keep the membership agreement and the release separate.
Cases and statutes cited on this page
- Jordan v. Diamond Equipment & Supply Co., 362 Ark. 142, 207 S.W.3d 525 (2005)Upheld an equipment rental exculpatory clause. Restates the disfavour rule, the two rules of construction, the total transaction approach and the three Finagin factors, and holds that wording covering damages due to neglect or any other cause whatsoever clearly set out the negligent liability avoided.
- Plant v. Wilbur, 345 Ark. 487, 47 S.W.3d 889 (2001)Issue of first impression on a release signed to enter the pit area of a dirt racetrack. Enforced it, stressing that auto racing is dangerous recreation touching a narrow segment of the public rather than a public utility or common carrier.
- Finagin v. Arkansas Development Finance Authority, 355 Ark. 440, 139 S.W.3d 797 (2003)Source of the three factors Arkansas courts now recite: knowledge of the liability released, benefit from the activity, and a contract fairly entered into.
- Edgin v. Entergy Operations, Inc., 331 Ark. 162, 961 S.W.2d 724 (1998)Upheld a release in an employment application that waived tort claims against a contractor's clients for injuries covered by workers' compensation, because it identified precisely what was given up.
- Farmers Bank of Greenwood v. Perry, 301 Ark. 547, 787 S.W.2d 645 (1990)The opposite result. A safe deposit box card saying the customer holds the bank harmless for loss of currency or coin did not expressly exempt the bank from its own negligence, so it was excluded from evidence as irrelevant.
- Ark. Code Ann. § 9-25-101, Ark. Code Ann. § 9-25-101All persons of the age of eighteen years shall be considered to have reached the age of majority and be of full age for all purposes; a person remains a minor until then.
- Ark. Code Ann. § 16-56-116, Ark. Code Ann. § 16-56-116A person under the stated age or insane when the cause of action accrued may sue within three years after attaining full age or after the disability is removed.
- Ark. Code Ann. § 28-65-101 et seq. (guardians), Ark. Code Ann. § 28-65-101Definitions for the guardianship chapter, which supplies the framework under which a guardian of the estate holds and accounts for a ward's property under probate court supervision.
- Ark. Code Ann. § 16-120-202, Ark. Code Ann. § 16-120-202Equine and livestock activity immunity, with exceptions for faulty equipment, failure to assess ability, unwarned dangerous conditions, willful or wanton disregard for safety, and intentional injury.
- Ark. Code Ann. § 18-11-307, Ark. Code Ann. § 18-11-307Recreational use immunity does not limit liability for malicious, but not mere negligent, failure to guard or warn against an ultra hazardous condition actually known to be dangerous, or where the owner charges for entry.
Where the law is unsettled
- Statutory text was read on the FindLaw mirror of the Arkansas Code, codes.findlaw.com, because law.justia.com and arkansas.public.law could not be reached in this research pass. The official source is the Arkansas Code link on arkleg.state.ar.us, and section numbers should be confirmed there before you rely on them.
- Case text came from the Caselaw Access Project static archive at static.case.law, which reproduces the official Arkansas Reports. Note that the case cited by practitioners as Middleton & Sons v. Frozen Food Lockers, 251 Ark. 745, 474 S.W.2d 895 (1972), is reported under the parties' own names as Middleton, doing business as Middleton and Sons Packing Company, against Cato, doing business as Frozen Food Lockers.
- Caselaw Access Project coverage stops around 2020, and the anonymous CourtListener search API returned only rate limit errors throughout this pass, so no full-text case search of recent Arkansas opinions was possible. An Arkansas decision handed down after 2020 could change any of these sections; check opinions.arcourts.gov before relying on the page.
- Whether a parent or guardian can release a child's own future injury claim is unsettled in Arkansas. No reported Arkansas appellate decision on the point was found, and nothing here should be read as a prediction that such a release would be enforced.
- Whether an Arkansas exculpatory clause can reach willful, wanton or intentional conduct has not been squarely decided either. The conclusion here is drawn from the strict construction rule, the public policy rationale stated in Farmers Bank, and the statutory carve outs in sections 16-120-202 and 18-11-307.
- The three year period in section 16-56-105 is applied to ordinary personal injury claims through the clause covering actions founded on any contract or liability, expressed or implied; the section heading does not use the words personal injury. Specialised claims run on their own periods.
- This page is general information about Arkansas law and is not legal advice. Have an Arkansas lawyer review any waiver before you put it into service.
Get it signed before guests arrive.
Paste your attorney-approved wording into the builder, publish a version, and collect signatures by link, QR code or kiosk with a time-stamped audit trail and the exact text each person saw.