How does workers' comp work in Alaska?

Alaska has some of the most expensive workers compensation rates in the country. As of 2014, on average employers pay 45 percent more than the national average. This is down 15 percent since 2012. This ranks Alaska as the 5th most expensive state in the country to purchase workers' compensation insurance.

Alaska is a partner of the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. It is the nation’s most experienced provider of workers compensation information, tools, and services. Alaska authorizes NCCI to determine rates on workers' compensation coverage and to be the assigned risk provider for the state fund.

Alaska also has a state fisherman's fund. This is separate from the Workers' Compensation Division and is designed to help fishermen who have been injured while fishing on or off shore in Alaska. The fund is financed from commercial fisherman's license and permit fees. The Commissioner of Labor and Workforce Development oversees administration of the program with the assistance of the Fishermen’s Fund Advisory and Appeals Council.

At Workers Compensation Shop.com, we specialize in workers comp coverage. We want to quote your policy. Start a quote online or call one of our knowledgeable agents at 888-611-7467.

Workers' Comp Rules & Information for Alaska

State Insurance Directives Regarding Covid-19

No current directives for Alaska

State Orders Regarding Insurance Claims Related to Coronavirus

An employee who contracts COVID-19 is presumed to have contracted an occupational disease arising out of and in the course of employment if the employee: 1) is a firefighter, emergency medical technician, paramedic, peace officer, or health care provider; 2) is exposed to COVID-19 in the course of employment; and 3) receives a diagnosis from a physician, a presumptive positive COVID-19 test, or lab confirmed diagnosis. Licensing requirements are suspended for individuals offering telemedicine and telehealth services if: 1) the provider is licensed, permitted, or certified to provide health care services in another jurisdiction; 2) the services provided are within the provider's scope of practice in their licensed jurisdiction; and 3) in the event the provider determines that the encounter will extend beyond the scope of telemedicine, the provider advises the patient to contact a health care provider licensed in the state and terminates the encounter. The amount charged by a health care provider for telemedicine services must be reasonable and consistent with the ordinary fees typically charged for that service and may not be more than five percent above the ordinary fees typically charged for that service.

Mandatory rder in force until Nov 15, 2020 unless lifted.

Alaska Division of Workers' Compensation

Post Office Box 25512
Juneau, Alaska 99802-5512
907-465-2790

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Alaska Fisherman's Fund

Established in 1951, the Fishermen's Fund provides for the treatment and care of Alaska licensed commercial fishermen who have been injured while fishing on shore or off shore in Alaska. The fund is financed from commercial fisherman's license and permit fees. The Commissioner of Labor and Workforce Development oversees administration of the program with the assistance of the Fishermen’s Fund Advisory and Appeals Council.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Alaska is an NCCI State

Alaska partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. Alaska uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state.

Alaska Second Injury Fund

Alaska Department of Insurance and the AK Department of Labor and Workforce Development require insurance companies to collect and remit Second Injury Fund based on premium. The Fund helps pay claims for employees injured while working for an uninsured employer.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Alaska Work Comp Information

#1 National Workers Comp Agency

We make it easier to buy affordable Alaska workers compensation insurance. We partner with more than a dozen insurance carriers and are able to shop your policy around. This allows our agents to find better coverage and deeper discounts for your business.

We've already helped hundreds of Alaska employers purchase workers comp coverage, making us your best choice for a workers compensation quote.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Alaska.

What Does Workers' Compensation Insurance Cover?

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Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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