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Get the Facts on Alaska Workers' Compensation

2020 Alaska Coverage Requirements

    Companies with 1 or more employees are required by Alaskan State Law to carry workers' compensation coverage.

    Sole Proprietors, Partners and LLC Members are excluded from coverage, but may elect to be covered.

    Corporate Officers are included in coverage, but can elect to be exempt.

    There are a few exceptions to the workers' compensation requirement which include: Officers of a non-profit corporation, part-time babysitters, non-commercial cleaners, sports officials for amateur events, contract entertainers and commercial fisherman just to name a few.

2020 Payroll Requirements for Owners

    Sole-Proprietors, Partners and LLC Members who include themselves on workers compensation coverage must use a payroll amount of $34,600 for rating purposes.

    Corporate Officers who are included for coverage must utilize a minimum payroll of $500 per week ($26,000 Annual) and a maximum of $2,000 per week ($104,000 Annual) for the purpose of rating workers comp premium.

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Alaska can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Alaska.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Alaska employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

More Options and More Quotes

With over 35 top rated insurance carriers to quote your work comp coverage, chances are we've got the lowest rates in the industry. For almost every workers compensation class code in Alaska we can find the most complete coverage at the lowest rates around.

Why Quote Alaska Workers Compensation With Us?

Alaska Rates

Alaska has some of the most expensive workers compensation rates in the country. As of 2018, on average employers pay 45 percent more than the national average. This is down 15 percent since 2012. Don't pay too much for your coverage. Now is the time to speak with an expert about all the ways we can help you save on your work comp policy.

Need Help With Alaska Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our AK Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Alaska. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Alaska can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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