--- title: "Workers’ Compensation Insurance in Alaska" description: "See how Alaska’s first-employee rule, owner exemptions, and lack of reciprocity affect your policy." canonical: "https://spot.insure/coverage/workers-compensation/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/workers-compensation/alaska) # Workers’ Compensation Insurance in Alaska Alaska generally requires an employer with one or more Alaska employees to carry workers’ compensation insurance unless approved as a self-insurer. An out-of-state policy does not automatically satisfy Alaska exposure: the state says it has no reciprocity agreements and requires coverage for employees working there.[^1][^2] **Coverage:** [Workers’ compensation](/coverage/workers-compensation) · [Alaska](/coverage/states/alaska) ## What Is Workers’ Compensation? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [Read the national Workers’ compensation guide](/coverage/workers-compensation). ## Alaska Requirements | Requirement | Details | | --- | --- | | Employee threshold | One or more employees in Alaska, unless the employer is approved as a self-insurer; limited work-based statutory exceptions apply[^1][^1] | ## What to Watch for in Alaska ### Line Up Coverage Before the First Alaska Hire The Alaska Department of Labor says each employer with at least one Alaska employee needs insurance unless approved to self-insure. Owners such as sole proprietors and partners are exempt from insuring themselves, but their businesses still must insure employees, including family and friends.[^1] ### Owner Exemptions Depend on Entity and Ownership The agency lists sole proprietors and partners, plus LLC members and for-profit corporate officers with at least 10% ownership, as exempt from insuring themselves; nonprofit and public entity officers have a different election rule. Give your broker the entity type and ownership percentages rather than assuming every owner is excluded.[^1] ### An Out-of-State Policy Needs Alaska Treatment Alaska reports no reciprocity agreements and says out-of-state employers must insure employees working in Alaska whether based there or elsewhere. Ask the carrier to confirm Alaska coverage in writing before sending staff to a temporary project.[^1][^2] ### Assigned Risk Is the Fallback After Carrier Difficulty Alaska has no state workers’ compensation insurance fund; employers unable to obtain a commercial policy may apply to the NCCI-administered assigned-risk pool. Ask the broker about this route if voluntary carriers will not quote the operation.[^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 Workers’ compensation; 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] - [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.[^15] - [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.[^14] - [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] - [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.[^17] ## Questions to Ask Before You Buy in Alaska 1. Does our policy list Alaska for employees who work there, including short-term assignments? 2. Which of our owners meet Alaska’s entity-specific self-coverage exemption, and which employees still need coverage? 3. If commercial carriers decline us, can the broker document an assigned-risk application? ## Workers’ Compensation in Alaska: FAQ ### When does an Alaska employer need workers’ compensation insurance? Generally, when it has one or more employees in Alaska, unless the employer has Alaska approval to self-insure or a specific work-based exception applies.[^1] ### Does Alaska accept another state’s workers’ compensation policy? Alaska says it has no reciprocity agreements and requires out-of-state employers to insure employees working in Alaska. Ask your carrier to confirm the Alaska coverage arrangement before work begins.[^1] ## Workers’ Compensation in Other States - [Alabama](/coverage/workers-compensation/alabama) - [Arizona](/coverage/workers-compensation/arizona) - [Arkansas](/coverage/workers-compensation/arkansas) - [California](/coverage/workers-compensation/california) - [Colorado](/coverage/workers-compensation/colorado) - [Connecticut](/coverage/workers-compensation/connecticut) - [Delaware](/coverage/workers-compensation/delaware) - [District of Columbia](/coverage/workers-compensation/district-of-columbia) - [Florida](/coverage/workers-compensation/florida) - [Georgia](/coverage/workers-compensation/georgia) - [Hawaii](/coverage/workers-compensation/hawaii) - [Idaho](/coverage/workers-compensation/idaho) - [Illinois](/coverage/workers-compensation/illinois) - [Indiana](/coverage/workers-compensation/indiana) - [Iowa](/coverage/workers-compensation/iowa) - [Kansas](/coverage/workers-compensation/kansas) - [Kentucky](/coverage/workers-compensation/kentucky) - [Louisiana](/coverage/workers-compensation/louisiana) - [Maine](/coverage/workers-compensation/maine) - [Maryland](/coverage/workers-compensation/maryland) - [Massachusetts](/coverage/workers-compensation/massachusetts) - [Michigan](/coverage/workers-compensation/michigan) - [Minnesota](/coverage/workers-compensation/minnesota) - [Mississippi](/coverage/workers-compensation/mississippi) - [Missouri](/coverage/workers-compensation/missouri) - [Montana](/coverage/workers-compensation/montana) - [Nebraska](/coverage/workers-compensation/nebraska) - [Nevada](/coverage/workers-compensation/nevada) - [New Hampshire](/coverage/workers-compensation/new-hampshire) - [New Jersey](/coverage/workers-compensation/new-jersey) - [New Mexico](/coverage/workers-compensation/new-mexico) - [New York](/coverage/workers-compensation/new-york) - [North Carolina](/coverage/workers-compensation/north-carolina) - [North Dakota](/coverage/workers-compensation/north-dakota) - [Ohio](/coverage/workers-compensation/ohio) - [Oklahoma](/coverage/workers-compensation/oklahoma) - [Oregon](/coverage/workers-compensation/oregon) - [Pennsylvania](/coverage/workers-compensation/pennsylvania) - [Rhode Island](/coverage/workers-compensation/rhode-island) - [South Carolina](/coverage/workers-compensation/south-carolina) - [South Dakota](/coverage/workers-compensation/south-dakota) - [Tennessee](/coverage/workers-compensation/tennessee) - [Texas](/coverage/workers-compensation/texas) - [Utah](/coverage/workers-compensation/utah) - [Vermont](/coverage/workers-compensation/vermont) - [Virginia](/coverage/workers-compensation/virginia) - [Washington](/coverage/workers-compensation/washington) - [West Virginia](/coverage/workers-compensation/west-virginia) - [Wisconsin](/coverage/workers-compensation/wisconsin) - [Wyoming](/coverage/workers-compensation/wyoming) [Other Coverage in Alaska](/coverage/states/alaska) ## Sources [^1]: [Workers’ Compensation Requirements for Employer](https://www.labor.alaska.gov/wc/er-profit.html) — Alaska Department of Labor and Workforce Development; Requirements, Business Owners, Exceptions, Coverage Options, No Reciprocity. Accessed 2026-09-28. [^2]: [Workers Compensation](https://www.commerce.alaska.gov/web/ins/WorkersCompensation) — Alaska Department of Commerce, Community, and Economic Development, Division of Insurance; Shared oversight; voluntary and assigned-risk markets; employer coverage options. 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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