Business Insurance in Alaska

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Get small business insurance for your Alaska business

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Learn about Alaska's insurance requirements

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Recommended insurance policies for small businesses in Alaska

General liability insurance icon

General liability insurance

General liability coverage helps Alaska businesses recover from third-party property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and oversights.

BEST FOR
  • Work mistakes and oversights
  • Accusations of negligence
  • Failure to deliver professional services
Cyber liability insurance icon

Cyber liability insurance

This liability policy helps Alaska small businesses survive data breaches and cyberattacks. It can help pay for client notification costs, legal fees, and other financial losses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of business insurance coverage for an Alaska business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Alaska state law requires all businesses that have employees to carry workers' comp. This policy also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for commercial vehicles in Alaska. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Alaska business insurance requirements

State laws can affect which type of insurance coverage you need for your small business. These policies are required everywhere in Alaska, from Anchorage to Fairbanks.

Blue check mark

Workers' compensation insurance

With some exceptions, Alaska state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. Civil and criminal penalties apply to employers who fail to maintain coverage. This policy covers medical bills for work injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Alaska must be covered by commercial auto insurance. Alaska's minimum requirements for auto insurance are:

  • $25,000 property damage liability per accident
  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for small business owners in Alaska. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
  • Business insurance policies purchased
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Alaska's requirements. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Alaska, insurance agents, agencies, and brokers are licensed by the Alaska Division of Insurance. Insureon is licensed in Alaska for property and casualty insurance as Insureone Insurance Services America, LLC (NPN 18539837). You can verify our licensure with the National Association of Insurance Commissioners by selecting Alaska, licensee, and business entity, then entering our NPN.

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