--- title: "Professional Liability (E&O) Insurance in Alaska" description: "Compare Alaska real-estate licensee E&O limits and filing rules; verify the currently posted limits before relying on the September 2024 rule compilation." canonical: "https://spot.insure/coverage/professional-errors-omissions/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/professional-errors-omissions/alaska) # Professional Liability (E&O) Insurance in Alaska Alaska requires brokers, associate brokers, and salespersons to maintain E&O coverage for real-estate-licensed activities, through the commission master policy or qualifying equivalent. The commission’s September 2024 compilation sets minimums of $100,000 per covered wrongful act or claim and $300,000 aggregate per licensee, with defense expenses outside those limits. Check for later limit adjustments before relying on these figures for a 2026 placement.[^1][^2][^3] **Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [Alaska](/coverage/states/alaska) ## What Is Professional Errors And Omissions (E&O)? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions). ## Alaska Requirements | Requirement | Details | | --- | --- | | Alaska Real Estate Licensee E&O | Required for brokers, associate brokers, and salespersons; September 2024 rule compilation: at least $100,000 per covered act/claim and $300,000 annual aggregate per licensee[^1][^2] | ## What to Watch for in Alaska ### File Equivalent Coverage on Time Alaska permits an individual policy instead of the commission’s master policy, but the policy must meet the state’s equivalent-coverage standards. File the required certification with a license application or renewal; when replacing coverage, file before 5 p.m. on the date the old policy is canceled.[^2] ### Defense Costs Sit Outside the Limit The minimum master-policy terms put investigation and defense expenses in addition to the per-claim limit. Ask whether a private equivalent policy does the same, and confirm any higher deductible or defense-cost retention you would have to fund.[^2] ### Check Tail and Prior-Acts Terms The master-policy minimum includes a 90-day extended reporting period and an option to buy up to three additional years; it also requires prior-acts coverage to be offered when similar coverage has remained continuously in force. Compare those terms before switching insurers or leaving real-estate practice.[^2] ### Verify the Posted Limit Schedule The commission’s linked statute-and-rule compilation is revised September 20, 2024, and 12 AAC 02.560 permits periodic coverage-limit adjustments. Check the current commission limit notice and policy before treating $100,000/$300,000 as the applicable 2026 minimum.[^2][^3] ## 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.[^5][^6][^7] - [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.[^9][^8][^10][^11] **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.[^8] **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.[^12] ## Providers With Documented State Licenses These providers publish a national listing for Professional errors and omissions (E&O); 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. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^13] - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^14] - [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.[^15] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^17] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** 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.[^16] - [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.[^18] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^19] ## Questions to Ask Before You Buy in Alaska 1. Can we use our current private E&O policy as equivalent coverage, and what certification must be filed with the Alaska Real Estate Commission? 2. Are investigation and defense expenses outside our per-claim limit, and what deductible or retention would we pay? 3. If we stop or replace this policy, what extended reporting period and prior-acts protection will remain available? ## Professional Errors And Omissions (E&O) in Alaska: FAQ ### Do Alaska real-estate licensees need E&O insurance? Yes. Alaska Statute § 08.88.172 and the commission’s posted rules require brokers, associate brokers, and salespersons to maintain E&O for activities requiring a real-estate license; the linked rule compilation is revised September 20, 2024.[^1][^2][^3][^4] ### Can an Alaska real-estate licensee use an individual E&O policy? Yes. The rules allow qualifying independently obtained coverage if the licensee files the required certificate with the commission; the commission’s current FAQ also confirms that proof is required for renewal.[^2][^4] ## Professional Errors And Omissions (E&O) in Other States - [Alabama](/coverage/professional-errors-omissions/alabama) - [Arizona](/coverage/professional-errors-omissions/arizona) - [Arkansas](/coverage/professional-errors-omissions/arkansas) - [California](/coverage/professional-errors-omissions/california) - [Colorado](/coverage/professional-errors-omissions/colorado) - [Connecticut](/coverage/professional-errors-omissions/connecticut) - [Delaware](/coverage/professional-errors-omissions/delaware) - [District of Columbia](/coverage/professional-errors-omissions/district-of-columbia) - [Florida](/coverage/professional-errors-omissions/florida) - [Georgia](/coverage/professional-errors-omissions/georgia) - [Hawaii](/coverage/professional-errors-omissions/hawaii) - [Idaho](/coverage/professional-errors-omissions/idaho) - [Illinois](/coverage/professional-errors-omissions/illinois) - [Indiana](/coverage/professional-errors-omissions/indiana) - [Iowa](/coverage/professional-errors-omissions/iowa) - [Kansas](/coverage/professional-errors-omissions/kansas) - [Kentucky](/coverage/professional-errors-omissions/kentucky) - [Louisiana](/coverage/professional-errors-omissions/louisiana) - [Maine](/coverage/professional-errors-omissions/maine) - [Maryland](/coverage/professional-errors-omissions/maryland) - [Massachusetts](/coverage/professional-errors-omissions/massachusetts) - [Michigan](/coverage/professional-errors-omissions/michigan) - [Minnesota](/coverage/professional-errors-omissions/minnesota) - [Mississippi](/coverage/professional-errors-omissions/mississippi) - [Missouri](/coverage/professional-errors-omissions/missouri) - [Montana](/coverage/professional-errors-omissions/montana) - [Nebraska](/coverage/professional-errors-omissions/nebraska) - [Nevada](/coverage/professional-errors-omissions/nevada) - [New Hampshire](/coverage/professional-errors-omissions/new-hampshire) - [New Jersey](/coverage/professional-errors-omissions/new-jersey) - [New Mexico](/coverage/professional-errors-omissions/new-mexico) - [New York](/coverage/professional-errors-omissions/new-york) - [North Carolina](/coverage/professional-errors-omissions/north-carolina) - [North Dakota](/coverage/professional-errors-omissions/north-dakota) - [Ohio](/coverage/professional-errors-omissions/ohio) - [Oklahoma](/coverage/professional-errors-omissions/oklahoma) - [Oregon](/coverage/professional-errors-omissions/oregon) - [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania) - [Rhode Island](/coverage/professional-errors-omissions/rhode-island) - [South Carolina](/coverage/professional-errors-omissions/south-carolina) - [South Dakota](/coverage/professional-errors-omissions/south-dakota) - [Tennessee](/coverage/professional-errors-omissions/tennessee) - [Texas](/coverage/professional-errors-omissions/texas) - [Utah](/coverage/professional-errors-omissions/utah) - [Vermont](/coverage/professional-errors-omissions/vermont) - [Virginia](/coverage/professional-errors-omissions/virginia) - [Washington](/coverage/professional-errors-omissions/washington) - [West Virginia](/coverage/professional-errors-omissions/west-virginia) - [Wisconsin](/coverage/professional-errors-omissions/wisconsin) - [Wyoming](/coverage/professional-errors-omissions/wyoming) [Other Coverage in Alaska](/coverage/states/alaska) ## Sources [^1]: [Alaska Statutes, Title 8: Business and Professions](https://www.akleg.gov/basis/statutes.asp?title=08) — Alaska State Legislature; AS 08.88.172(a)–(c), Errors and Omissions Insurance. Accessed 2026-09-28. [^2]: [Real Estate Commission Statutes and Regulations](https://www.commerce.alaska.gov/web/Portals/5/pub/RECregulations.pdf) — Alaska Department of Commerce, Community, and Economic Development; 12 AAC 64.600–.610; 12 AAC 02.510(a), (b), and (c)(4); 12 AAC 02.530. Accessed 2026-09-28. [^3]: [Alaska Real Estate Commission: Insurance](https://www.commerce.alaska.gov/web/cbpl/ProfessionalLicensing/RealEstateCommission/Insurance) — Alaska Department of Commerce, Community, and Economic Development; Commission links to AS 08.88.172 and 12 AAC 64.600–.650 / 12 AAC 02.510–.590; linked compilation dated September 20, 2024. Accessed 2026-09-28. [^4]: [Alaska Real Estate Commission: Errors and Omissions Insurance FAQs](https://www.commerce.alaska.gov/web/Portals/5/pub/Archive26/REC_EO_FAQ.pdf) — Alaska Department of Commerce, Community, and Economic Development; Questions 1–2: renewal proof and master-policy reporting; posted Commission FAQ. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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. [^19]: [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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