Product Liability in Alaska

Alaska generally sets a two-year period from accrual for personal-injury, death, and personal-property injury actions. A separate ten-year rule measures from the earlier of substantial completion of the construction alleged to have caused the harm or the last alleged causative act. It opens notwithstanding ordinary minority disability, but does not apply to a claim resulting from a defective product meeting the statute's definition; the construction-completion trigger also has an exception for claims resulting from intentional or reckless disregard of specific project plans, specifications, or building codes. Other statutory exclusions and tolling apply. Keep product, installation, construction, first-use, and injury records so counsel can classify mixed claims and dates; these rules do not determine insurance response.

What Is Product Liability Insurance?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. Read the national Product liability guide.

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

Track when the claim accrued
Alaska Stat. § 09.10.070 generally gives two years from accrual for personal-injury, death, and personal-property claims. The statute's accrual date can depend on the facts, so preserve when the injury and its suspected product connection became known and let counsel assess the deadline. ¹
Do not apply the general 10-year repose rule to defective products
Section 09.10.055 does not apply when the injury, death, or property damage results from a “defective product” as defined there: an object with intrinsic value that can be delivered assembled or as a component and is introduced into trade or commerce. Separately, the construction-completion trigger does not apply to claims resulting from intentional or reckless disregard of specific project design plans, specifications, or building codes. The section begins “notwithstanding” ordinary minority disability, while subsection (b)(5) preserves a narrow exception for facts a minor’s parent or guardian could not discover with reasonable care. Other listed circumstances include prolonged hazardous-waste exposure, intentional act or gross negligence, fraud or misrepresentation, express-warranty or guarantee breach, breach of trust or fiduciary duty, intentional concealment, a shorter statutory period, and contractual waiver; subsection (c) tolls for a qualifying undiscovered foreign body. Counsel should classify the pleaded cause and facts; an exception to this repose section does not establish that another deadline is absent. ²
Keep records that distinguish the product from an improvement
Section 09.10.055 uses construction completion or a last alleged causative act, but it separately removes claims resulting from a statutorily defined defective product and narrows the construction-completion trigger for certain project-plan, specification, or code disregard. For a product installed in a building or incorporated into equipment, keep the model or serial number, manufacturer and supplier, instructions, installation and first-use dates, project plans, and change records. Those facts help counsel distinguish a product claim from construction conduct and identify dates; they do not decide policy coverage. ^2,¹

Which Product Liability Providers Have Alaska License Records?

These providers publish a national listing for Product 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.

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. ¹⁷
Vouch lists product 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. ^3,^4,⁵

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 ^7,^6,^8,⁹

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. 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

Questions to Ask Before You Buy Product Liability in Alaska

What product, installation, and first-use dates should we retain for Alaska sales and equipment installed at customer sites?
How does our policy define the covered product and address injury discovered after years of use?
Which policy year should receive notice if a claim alleges both a defective product and an installation or construction issue?

Product Liability Insurance in Alaska: Frequently Asked Questions

Does Alaska’s 10-year repose statute apply to a defective-product claim?

Not if the injury, death, or property damage results from a “defective product” meeting § 09.10.055(b)(1)(E)’s definition. The construction-completion trigger also does not apply to a claim resulting from intentional or reckless disregard of specific project design plans, specifications, or building codes. Other exceptions and tolling apply, and another deadline may still govern. ^2,¹

What general time period applies to Alaska personal-injury claims?

Section 09.10.070 generally provides two years after accrual for personal-injury, death, and personal-property claims. Accrual depends on the facts and should be assessed by counsel. ¹

Sources for Product Liability Insurance in Alaska

1
Alaska Statutes 2025, Title 9, Code of Civil Procedure (official online text). Alaska State Legislature; AS 09.10.070(a), complete operative subsection: except as otherwise provided by law, listed personal-injury/death and personal-property injury actions must be commenced within two years after accrual. Retrieved from the Legislature's official Title 9 print-text endpoint; the current page identifies the 2025 statutes. Accessed 2026-09-28.
2
Alaska Statutes, Title 9, Code of Civil Procedure (official Alaska Legislature PDF). Alaska State Legislature; AS 09.10.055(a)–(c), complete operative section, PDF p. 6: ten-year period from earlier substantial completion or last alleged causative act; construction-trigger exception for intentional/reckless disregard of specific plans/specifications/codes; opening notwithstanding minority disability; defective-product and other subsection (b) exclusions; subsection (c) foreign-body tolling. PDF SHA-256 c4e3709d5e3c1303b3b5ee42dfb87f22a10e2adba72b7abcc966485a4071638f. Official 2025/2026 passed-session chapter scan is documented in the handoff. Accessed 2026-09-28.
3
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.
4
Research a Company or Agent. Alaska Division of Insurance; Company and licensee search for entities licensed in Alaska. Accessed 2026-09-28.
5
Complaints. Alaska Division of Insurance; Official complaint filing instructions and matters the Division can investigate. Accessed 2026-09-28.
6
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.
7
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.
8
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.
9
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.
10
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.
11
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. 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. 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. 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. 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. 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. 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.

Product Liability in Alaska

What Is Product Liability Insurance?

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

Track when the claim accrued

Do not apply the general 10-year repose rule to defective products

Keep records that distinguish the product from an improvement