--- title: "Commercial Auto Insurance in Alaska" description: "Alaska requires 50/100/25 liability for vehicles subject to registration and uses a 15-day post-crash financial-responsibility filing process." canonical: "https://spot.insure/coverage/commercial-auto/alaska" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/alaska) # Commercial Auto Insurance in Alaska Alaska requires at least $50,000/$100,000 bodily-injury liability and $25,000 property damage for a vehicle subject to registration. A crash involving an injury or death, or more than $501 in damage to one person’s property, triggers a Form 466 filing with DMV within 15 days; the form accepts several ways to show financial responsibility, not only an insurance policy. Those post-crash alternatives address financial responsibility and do not replace the liability insurance required for vehicles subject to registration.[^1][^2] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Alaska](/coverage/states/alaska) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Alaska Requirements | Requirement | Details | | --- | --- | | Liability minimum for vehicles subject to registration | $50,000 per person / $100,000 per accident / $25,000 property damage[^1] | | Form 466 post-crash filing | Within 15 days after a crash involving injury/death or more than $501 property damage to any one person[^2] | ## What to Watch for in Alaska ### Registration Status Controls The Liability Mandate The Alaska DMV ties its $50,000/$100,000/$25,000 minimum to vehicles subject to registration. Check the vehicle’s registration status before assuming that the same mandate applies to every vehicle a business uses.[^1] ### A Threshold Crash Starts A 15-Day DMV Deadline Form 466 says to complete and mail or fax the form within 15 days when anyone is injured or killed, or one person’s property damage exceeds $501. Assign responsibility for the form as soon as a fleet crash meets either threshold.[^2] ### Post-Crash Alternatives Do Not Replace Required Insurance Form 466 lists an in-force liability policy as one method, alongside a release, settlement plus future proof, a security deposit plus future proof, or a court finding of no liability. These alternatives address post-crash financial responsibility; they do not replace the liability insurance required for vehicles subject to registration. Keep the records supporting the method selected.[^2][^1] ### Drivers Must Carry Current Proof The Alaska DMV says proof of motor-vehicle liability insurance must be in the driver’s possession and shown on request. Keep a current card in every registered fleet vehicle and replace outdated cards when coverage changes.[^1] ## Who Regulates Insurance in Alaska **Alaska Division of Insurance.** The Alaska Division of Insurance regulates insurers and insurance licensees, provides company and licensee searches, and investigates insurance complaints within its authority. Its consumer-services section handles disputes involving claims, cancellations, premium refunds, agents, and insurers.[^3][^4][^5] - [Regulator website](https://www.commerce.alaska.gov/web/ins/) - [License lookup](https://www.commerce.alaska.gov/web/ins/Consumers/ConsumerTools/ResearchaCompany.aspx) - [File a complaint](https://www.commerce.alaska.gov/web/ins/Consumers/Complaints) - Phone: (907) 269-7900 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.7% of gross premium less returns plus 1% filing fee; wet marine: 0.75%, no fee For covered property and casualty surplus-lines risks, Alaska lists a 2.7% tax and a separate 1% filing fee on gross premium less returned premium. Qualifying wet-marine and transportation policies instead carry a 0.75% tax on gross premium and no filing fee; risks of state or local government and certain interstate aircraft are exempt from both tax and fee. A multistate placement is regulated under the insured’s home-state rules, and Alaska says to evaluate each policy’s home state separately.[^7][^6][^8][^9] **Alaska has a placement-list exception:** If a risk appears on Alaska’s surplus-lines placement list, the Division says the broker does not have to canvass admitted insurers for declinations before placement; the broker must document the applicable list entry.[^6] **Alaska has limited tax and search exceptions:** The Division says qualifying wet-marine and transportation policies need no diligent search and pay no 1% filing fee. Tax and filing fees also do not apply to state or political-subdivision risks or qualifying interstate aircraft, although other placement requirements remain.[^10] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Alaska; [check the regulator’s license lookup](https://www.commerce.alaska.gov/web/ins/Consumers/ConsumerTools/ResearchaCompany.aspx) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^16] ## Questions to Ask Before You Buy in Alaska 1. Which Alaska vehicles are subject to registration and need the 50/100/25 liability minimum? 2. Who will complete and send Form 466 within 15 days after a crash crosses Alaska’s injury or property-damage threshold? 3. What records will our team use to document the financial-responsibility method selected on Form 466? 4. Does each driver have current proof of liability insurance in the vehicle? ## Commercial Auto in Alaska: FAQ ### What liability limits does Alaska require for a registered commercial vehicle? At least $50,000 per person, $100,000 per accident, and $25,000 property damage for a vehicle subject to registration.[^1] ### When is Alaska Form 466 due after a crash? Within 15 days if anyone was injured or killed or any one person’s property damage exceeded $501. The listed alternatives address post-crash financial responsibility; they do not replace liability insurance required for a vehicle subject to registration.[^2][^1] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Alaska](/coverage/states/alaska) ## Sources [^1]: [Mandatory Insurance](https://dmv.alaska.gov/driver-services-adjudication/mandatory-insurance/) — Alaska Division of Motor Vehicles; Mandatory insurance minimums; registration scope; proof possession. Accessed 2026-09-28. [^2]: [Certificate of Insurance — Form 466](https://dmv.alaska.gov/media/y4mpn5um/466.pdf) — Alaska Division of Motor Vehicles; Form 466, revision 06/2023; lines 35–42 distinguish mandatory insurance proof from post-crash financial-responsibility methods; 15-day filing instructions. Accessed 2026-09-28. [^3]: [Division of Insurance](https://www.commerce.alaska.gov/web/ins/) — Alaska Department of Commerce, Community, and Economic Development; Official Division homepage; publishes general contact number (907) 269-7900 and qualifies 1-800-INSURAK for callers in state outside Anchorage. Accessed 2026-09-28. [^4]: [Research a Company or Agent](https://www.commerce.alaska.gov/web/ins/Consumers/ConsumerTools/ResearchaCompany.aspx) — Alaska Division of Insurance; Company and licensee search for entities licensed in Alaska. Accessed 2026-09-28. [^5]: [Complaints](https://www.commerce.alaska.gov/web/ins/Consumers/Complaints) — Alaska Division of Insurance; Official complaint filing instructions and matters the Division can investigate. Accessed 2026-09-28. [^6]: [Surplus Lines](https://www.commerce.alaska.gov/web/ins/SurplusLines) — Alaska Division of Insurance; Current surplus-lines guidance on tax reporting, placement-list diligent-search exception, and required policyholder notice. Accessed 2026-09-28. [^7]: [Alaska Statutes, Chapter 21.34: Surplus Lines Insurance](https://www.akleg.gov/basis/statutes.asp?media=print&secEnd=21.34.900&secStart=21.34) — Alaska Legislature; AS 21.34.180/.190 rates; the Division's accessible current Surplus Lines FAQ reproduces the wet-marine and public-risk exceptions and filing-fee treatment. Accessed 2026-09-28. [^8]: [Bulletin B 12-05: Alaska Policyholder Notice](https://www.commerce.alaska.gov/web/portals/11/pub/Bulletins/B12-05.pdf) — Alaska Division of Insurance; Required nonadmitted-insurer notice says claims are not covered by the Alaska Insurance Guaranty Association Act. Accessed 2026-09-28. [^9]: [15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8202+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28. [^10]: [Surplus Lines](https://www.commerce.alaska.gov/web/ins/SurplusLines) — Alaska Division of Insurance; Full current FAQ: rates, wet marine tax/fee/search exceptions, government and qualifying aircraft tax/fee exceptions, home-state determination, and placement-list search rules (lines 92–159). Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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