# Alaska contractor insurance requirements

> What Alaska law says about workers' comp, contractor license insurance and indemnity clauses, and what to check on a contractor COI for a project there.

Reviewed Oct 28, 2026 by Forsured. Source: https://forsured.ai/coi-requirements/alaska/

## The short version

- Workers' comp required at: 1 employee
- License insurance minimum: $50K/$100K BI, $20K PD
- Anti-indemnity statute voids: Sole negligence

## Workers' comp in Alaska

Every employer with one or more employees in Alaska must carry workers' comp, unless approved to self-insure. Sole proprietors, partners, and LLC members and corporate executive officers with at least 10% ownership don't have to cover themselves, but must cover everyone else who works for them.

Agency: [Alaska Division of Workers' Compensation](https://labor.alaska.gov/wc/er-profit.html)

## Contractor licensing and insurance

Alaska contractor registration requires general liability of at least $50,000 for injury to one person, $100,000 for injury to more than one, and $20,000 for property damage, plus a bond ($25,000 for a general contractor).

## Indemnity and additional insured clauses

Alaska's anti-indemnity statute (Alaska Stat. § 45.45.900) voids construction contract clauses that make a contractor indemnify another party for that party's sole negligence. Clauses that cover shared fault are generally allowed.

## What to check on a contractor COI for a Alaska project

1. **Workers' comp.** Nearly every contractor with employees needs it in Alaska. A contractor with a crew and no workers' comp on its COI is a gap. For an out-of-state contractor, confirm Alaska is listed on the workers' comp policy.
2. **General liability.** A Alaska license only shows the contractor met the state's floor. Compare each limit on the COI with your project requirements, which are usually higher.
3. **Additional insured.** The endorsement is a separate promise from the indemnity clause, so check both. Ask for the endorsement itself, not just a box ticked on the certificate.
4. **Dates.** Every policy should run through the end of the job. A COI only shows coverage on the day it was issued, so check again at each renewal.

## Common questions

### Do contractors need workers' comp in Alaska?

Every employer with one or more employees in Alaska must carry workers' comp, unless approved to self-insure. Sole proprietors, partners, and LLC members and corporate executive officers with at least 10% ownership don't have to cover themselves, but must cover everyone else who works for them.

### Does Alaska require contractors to carry general liability insurance?

Alaska contractor registration requires general liability of at least $50,000 for injury to one person, $100,000 for injury to more than one, and $20,000 for property damage, plus a bond ($25,000 for a general contractor).

### Can a Alaska construction contract make a contractor cover another party's negligence?

Alaska's anti-indemnity statute (Alaska Stat. § 45.45.900) voids construction contract clauses that make a contractor indemnify another party for that party's sole negligence. Clauses that cover shared fault are generally allowed.

## Sources

1. [For-profit employers: workers' compensation requirements](https://labor.alaska.gov/wc/er-profit.html), Alaska Department of Labor and Workforce Development
2. [Construction contractor bond and insurance quick facts](https://WWW.COMMERCE.ALASKA.GOV/web/Portals/5/pub/CON_BondInsuranceQuickFacts.pdf), Alaska Division of Corporations, Business and Professional Licensing
3. [Anti-Indemnity Statutes in All 50 States (2023)](https://grsm.com/wp-content/uploads/2023/10/Anti-Indemnity-Statutes-2023.pdf), Gordon Rees Scully Mansukhani, 2023
4. [State Workers' Compensation Officials](https://www.dol.gov/agencies/owcp/wc), U.S. Department of Labor

General information, not legal advice. Confirm with the state agency, your broker or your attorney.

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Forsured: construction insurance compliance software. https://forsured.ai · hello@forsured.ai