---
title: "Business Insurance in Alaska"
description: "39 state-specific insurance coverage guides, plus Alaska Division of Insurance contact and license lookup resources for Alaska."
canonical: "https://spot.insure/coverage/states/alaska"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/alaska)

# Business Insurance in Alaska

## Insurance Regulator

**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.[^1][^2][^3]

- [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.[^5][^4][^6][^7]

## State Notes

**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.[^4]

**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.[^8]

## Coverage Guides

- [General Liability Insurance in Alaska](/coverage/general-liability/alaska): Alaska sets public-liability limits for general contractors seeking state registration, and the proof must match the registered business name.
- [Directors and Officers (D&O) Insurance in Alaska](/coverage/directors-officers/alaska): See how Alaska charter provisions, statutory claim carve-outs, and indemnification rules affect your directors and officers coverage.
- [Technology E&O in Alaska](/coverage/technology-errors-omissions/alaska): Alaska’s unfair-trade law reaches some business-to-business service disputes, so distinguish a service failure from an alleged unfair or deceptive practice.
- [Cyber Liability Insurance in Alaska](/coverage/cyber/alaska): Alaska gives covered persons no fixed day count for qualifying resident-data breaches and adds credit-agency notice above 1,000 residents.
- [Media Liability Coverage in Alaska](/coverage/media/alaska): Alaska allows two years from accrual for libel or slander. A separate Alaska statute addresses statements alleging that a practice is unlawful: it requires knowledge of falsit
- [Employment practices liability in Alaska](/coverage/employment-practices/alaska): Understand Alaska’s broader Human Rights Law grounds and the Commission’s early resolution process before comparing EPLI terms.
- [Fiduciary Liability Insurance in Alaska](/coverage/fiduciary/alaska): Review Alaska retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Alaska Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/alaska): How Alaska’s registration-based insurance rule and community exceptions affect work travel in employee-owned or hired vehicles.
- [Professional Liability (E&O) Insurance in Alaska](/coverage/professional-errors-omissions/alaska): Compare Alaska real-estate licensee E&O limits and filing rules; verify the currently posted limits before relying on the September 2024 rule compilation.
- [Workers’ Compensation Insurance in Alaska](/coverage/workers-compensation/alaska): See how Alaska’s first-employee rule, owner exemptions, and lack of reciprocity affect your policy.
- [Alaska BOP insurance: separate earthquake and flood decisions](/coverage/business-owners-policy/alaska): Compare Alaska BOP property, liability and interruption terms with earthquake, flood and remote-location exposures.
- [Alaska umbrella and excess liability: map every contract exposure](/coverage/umbrella-excess/alaska): A buyer guide for Alaska businesses bidding on state services, driving work, or employing people in the state.
- [Medical malpractice insurance in Alaska](/coverage/medical-malpractice/alaska): How Alaska’s health-care damages limits affect a malpractice insurance review, including exceptions and limit selection.
- [Representations and Warranties Insurance in Alaska](/coverage/representations-warranties/alaska): See how Alaska corporate sale approvals, affiliate votes, and merger liability affect deal diligence and the questions to put to your R&W broker.
- [Kidnap and Ransom Insurance in Alaska](/coverage/kidnap-ransom/alaska): See how Alaska's surplus-lines rules, disclosures, and placement options affect a business buying kidnap and ransom coverage.
- [Alaska Crime Insurance Guide](/coverage/crime/alaska): Alaska sets distinct fidelity rules for community-association brokers who control association money and for health maintenance organizations, including a discovery-period minimum for HMOs.
- [Commercial Auto Insurance in Alaska](/coverage/commercial-auto/alaska): Alaska requires 50/100/25 liability for vehicles subject to registration and uses a 15-day post-crash financial-responsibility filing process.
- [Cargo and Transit Insurance in Alaska](/coverage/cargo-transit/alaska): Check whether an Alaska shipment fits the state's wet-marine classification before relying on a surplus-lines tax or filing treatment.
- [Liquor Liability in Alaska](/coverage/liquor-liability/alaska): Alaska distinguishes licensed providers from other furnishers and makes age verification and unlawful service to a drunken person central to the civil-liability analysis.
- [Key Person Insurance in Alaska](/coverage/key-person/alaska): Learn how Alaska insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product Liability in Alaska](/coverage/product-liability/alaska): Alaska's ten-year construction and last-causative-act rule has a defined defective-product exception and a separate exception to the construction trigger for certain plan or code disregard.
- [Commercial Property Insurance in Alaska](/coverage/commercial-property/alaska): Alaska emergency guidance urges workplace earthquake preparedness and separately recommends securing rooftop equipment; state hazard guidance identifies ground failure including landslides and liquefaction.
- [Alaska garage liability for motor vehicle dealers](/coverage/garage-liability/alaska): A guide for Alaska’s new, used, and motorcycle dealers, with separate questions for customer-vehicle custody and physical damage.
- [Inland Marine Insurance in Alaska](/coverage/inland-marine/alaska): Alaska's Division of Insurance names snowmachines, heavy equipment, drones, and some valuables as inland marine examples; match those moving or unusual assets to the written policy schedule.
- [Surety Bonds for Alaska Construction Contractors](/coverage/surety-bonds/alaska): Alaska construction-registration bond amounts, alternatives and claim limits.
- [Alaska Builders Risk Insurance](/coverage/builders-risk/alaska): Build a project file around Alaska’s seismic setting and the correct commercial plan-review authority.
- [Equipment Breakdown Insurance in Alaska](/coverage/equipment-breakdown/alaska): Alaska’s Mechanical Inspection Section covers boilers and pressure vessels in commercial or public structures statewide, with statutory exemptions and different inspection interval
- [Alaska management-liability coverage when workers raise safety concerns](/coverage/management-liability/alaska): For employers with field crews, clinics, vessels, or remote worksites, Alaska’s workplace-safety retaliation process makes the EPL section and reporting plan worth discussing separately from D&O.
- [Product Recall Insurance in Alaska](/coverage/product-recall/alaska): Alaska DEC requires seafood processor permit applicants to attach a written recall plan with a responsible person assigned to each plan step.
- [Alaska Fidelity Bonds for Health Maintenance Organizations](/coverage/fidelity-bonds/alaska): Alaska HMO applicants should verify the Division’s employee and officer bond filing and check any separate plan-asset exposure.
- [Intellectual Property Insurance in Alaska](/coverage/intellectual-property/alaska): Learn how Alaska law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in Alaska](/coverage/contract-frustration/alaska): How Alaska export services and insurance-placement rules shape a contract-frustration policy.
- [Last-mile delivery insurance in Alaska](/coverage/last-mile-delivery/alaska): Map Alaska routes and vehicles before relying on minimum-auto assumptions: registration exceptions are geographic, and intrastate motor carriers have a separate identification filing.
- [Venture Capital Asset Protection Insurance in Alaska](/coverage/venture-capital-asset-protection/alaska): Check how Alaska adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Alaska](/coverage/digital-assets/alaska): Coverage questions for Alaska money transmitters, virtual-currency custodians, and kiosk operators.
- [Telehealth Insurance in Alaska](/coverage/virtual-care-telehealth/alaska): Check which Alaska telehealth standards apply to your licensed professions, prescribing, and remote opioid treatment.
- [Generative AI liability insurance in Alaska](/coverage/generative-ai-liability/alaska): For Alaska AI businesses, separate enacted personal-information breach duties from pending proposals and ask how prompts, personal data, and third-party model services are handled.
- [Employee Health Benefits in Alaska](/coverage/employee-health-benefits/alaska): State-specific enrollment and continuation rules help employers in Alaska compare group plans and employee transitions.
- [Trucking Insurance in Alaska](/coverage/trucking/alaska): Check Alaska's intrastate security schedule, required state and federal filings, and proof to keep with an eligible truck.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [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.
[^2]: [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.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.

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