What General Liability Insurance Requirements Apply in Alaska?

Alaska general contractors must submit current liability proof of $50,000 per injured person, $100,000 per occurrence, and $20,000 for property damage to register. Alaska’s comparative-fault statute reduces a claimant’s damages by their fault share instead of barring recovery, so ask how the policy limit responds when several parties share fault.

What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

Alaska General Liability Insurance Requirements

Requirement	Details
General contractor registration liability proof	$50,000 per person / $100,000 per occurrence bodily injury; $20,000 property damage ²

What Should You Watch for With General Liability Insurance in Alaska?

Match the Registration Name
The Alaska application requires insurance documents to match the contractor’s licensed name, including corporation and DBA names, and says proof must be no more than 30 days old when the Department receives it. Ask the broker to issue certificates and endorsements under the same legal names used on the registration. ²
Check the Contractor Class
Alaska’s Department says bond and insurance amounts differ by license type; the application figures here are for general contractor registration. If your firm works under a residential, specialty, mechanical, or handyman credential, ask which class and proof apply before relying on these figures. ^3,²
Claimant Fault Reduces, Not Bars
AS 09.17.060 reduces a claimant’s damages in proportion to contributory fault, while AS 09.17.080 allocates fault among defendants and qualifying other persons. Ask how your limit responds if a claim assigns part of the loss to a subcontractor or another responsible party. ¹
Separate the Claim Clock from Policy Notice
AS 09.10.070 gives two years for personal-injury claims and specified property torts such as taking, detaining, or injuring personal property. It does not turn every property-loss dispute into a two-year claim; ask counsel to identify the claim type, and report incidents under the policy’s own notice terms. ¹

Which General Liability Providers Have Alaska License Records?

These providers publish a national listing for General liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Alaska. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁴
Corgi lists commercial general liability among its business insurance offerings.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁶
ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹⁵
Hiscox offers general liability insurance for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁷
TechInsurance arranges general liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁸
Vouch lists general liability among the core coverages in its technology-company programs.

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. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (907) 269-7900

Surplus-Lines Tax and Stamping Office in Alaska

Reported tax rate. 2.7% of gross premium less returns plus 1% filing fee; wet marine: 0.75%, no fee ^8,^7,^9,¹⁰

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.

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. ⁷
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. ¹¹

Questions to Ask Before You Buy General Liability in Alaska

Does my Alaska general-contractor registration require the $50,000 / $100,000 / $20,000 liability proof, or does my license class use a different amount?
Will the certificate name match our registered entity and every DBA, and will it be current within Alaska’s 30-day submission window?
If a subcontractor or another party shares fault, how does the policy handle the insured’s share and the limit?

General Liability Insurance in Alaska: Frequently Asked Questions

What general liability limits does Alaska require for a general contractor?

The Alaska registration application calls for $50,000 bodily injury per person, $100,000 bodily injury per occurrence, and $20,000 property damage. Those figures are for the general-contractor application; other contractor license classes can use different proof. ^2,³

Does Alaska bar a claim if the claimant was partly at fault?

No. AS 09.17.060 reduces damages in proportion to contributory fault rather than barring recovery. ¹

How long does someone have to bring a personal-injury claim in Alaska?

Generally, two years under AS 09.10.070(a), subject to claim-specific exceptions. That section also lists certain personal-property torts; it is not a universal deadline for every property claim. ¹

Sources for General Liability Insurance in Alaska

1
Alaska Statutes, Title 9. Alaska State Legislature; AS 09.10.070(a); AS 09.17.060; AS 09.17.080(a),(c). Accessed 2026-09-28.
2
General Contractor Registration Application. Alaska Department of Commerce, Community, and Economic Development; Form 08-4815 instructions p. 1; Part IV; certificate form #08-4977; revised 2025-09-03. Accessed 2026-09-28.
3
Construction Contractors FAQs. Alaska Division of Corporations, Business and Professional Licensing; “How do I know if a construction contractor is licensed and insured?”. Accessed 2026-09-28.
4
Division of Insurance. 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.
5
Research a Company or Agent. Alaska Division of Insurance; Company and licensee search for entities licensed in Alaska. Accessed 2026-09-28.
6
Complaints. Alaska Division of Insurance; Official complaint filing instructions and matters the Division can investigate. Accessed 2026-09-28.
7
Surplus Lines. Alaska Division of Insurance; Current surplus-lines guidance on tax reporting, placement-list diligent-search exception, and required policyholder notice. Accessed 2026-09-28.
8
Alaska Statutes, Chapter 21.34: Surplus Lines Insurance. 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.
9
Bulletin B 12-05: Alaska Policyholder Notice. Alaska Division of Insurance; Required nonadmitted-insurer notice says claims are not covered by the Alaska Insurance Guaranty Association Act. Accessed 2026-09-28.
10
15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. 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.
11
Surplus Lines. 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.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. 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.
14
Insurance Producer 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.
15
About Hiscox US 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.
16
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.
17
Insurance Licenses by State. 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.
18
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.

What General Liability Insurance Requirements Apply in Alaska?

What Is General Liability Insurance?

Alaska General Liability Insurance Requirements

What Should You Watch for With General Liability Insurance in Alaska?

Match the Registration Name

Check the Contractor Class

Claimant Fault Reduces, Not Bars

Separate the Claim Clock from Policy Notice

Which General Liability Providers Have Alaska License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch