Getting the right best business insurance coverage starts with understanding your options. We've compiled expert answers to common questions about general liability insurance in Alaska using MoneyGeek's detailed research and analysis:
Best General Liability Insurance in Alaska
NEXT leads Alaska general liability insurance, while The Hartford provides the most affordable rates starting at $75 per month.
Get matched to the best and cheapest general liability insurer for you below.
Select your industry
Select state
Updated: January 6, 2026
Advertising & Editorial Disclosure
Commercial General Liability Insurance in Alaska: Fast Answers
Which company offers the best general liability insurance in Alaska?
NEXT ranks as the best general liability insurance company in Alaska with a 4.58 overall score out of 5. The provider excels in digital experience and reliable claims handling at $94 per month. Simply Business follows closely as runner-up with competitive rates at $88 per month and strong customer service.
Who offers the cheapest general liability insurance in Alaska?
The cheapest general liability insurance companies in Alaska are:
- The Hartford: $75 per month
- Simply Business: $88 per month
- Nationwide: $89 per month
- Progressive: $92 per month
- NEXT: $94 per month
Do Alaska businesses legally need general liability insurance?
Alaska doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians may need specific coverage amounts for licensing. Local municipalities can impose their own requirements, and most landlords and clients demand proof of insurance before signing contracts.
How much does general liability insurance cost in Alaska?
General liability insurance costs between $15 and $809 per month for small Alaska businesses with two employees. The drone industry often sees the lowest rates at $15 per month, while pressure washing businesses land at the higher end at $809 per month. Your actual premium depends on your industry risk level, business location, coverage limits, and employee count.
Best General Liability Insurance Companies in Alaska
NEXT is our top choice for general liability insurance in Alaska because of its strong customer service and solid pricing for small businesses. Simply Business and Thimble are also good options. Simply Business performs well in both affordability and coverage variety, while Thimble offers some of the lowest rates available to Alaska business owners.
| NEXT Insurance | 4.58 | $94 |
| Simply Business | 4.49 | $88 |
| Thimble | 4.40 | $98 |
| Coverdash | 4.38 | $95 |
| biBERK | 4.29 | $105 |
| Progressive Commercial | 4.28 | $92 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Alaska General Liability Insurer
Select your industry and state to get a customized Alaska general liability insurance quote.
Industry
State
LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN ALASKA
General liability insurance covers customer injuries and property damage for Alaska businesses, but it does not cover every type of risk. Explore these additional coverage options to build comprehensive financial protection:
Best Alaska General Liability Insurance Reviews
Finding the right general liability insurance provider in Alaska involves more than comparing prices. Our research reveals which business insurers offer the best combination of coverage and service.
NEXT
Best Alaska General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$94These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Simply Business
Best Alaska Commercial General Liability Customer Experience
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.2/5Customer Experience
4.9/5Coverage Points
Average Monthly General Liability Premium
$88These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.7/5Our Survey: Likely to Be Recommended to Others
4.2/5
Cheapest General Liability Insurance Companies in Alaska
The Hartford offers the cheapest general liability insurance in Alaska at $75 per month, saving businesses $20 or 21% compared to the state average. Simply Business and Nationwide also provide affordable coverage options for Alaska businesses.
| The Hartford | $75 | $898 |
| Simply Business | $88 | $1,053 |
| Nationwide | $89 | $1,066 |
| Progressive Commercial | $92 | $1,099 |
| NEXT Insurance | $94 | $1,133 |
| Coverdash | $95 | $1,137 |
| Thimble | $98 | $1,181 |
| Hiscox | $105 | $1,257 |
| biBERK | $105 | $1,258 |
| Chubb | $109 | $1,307 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Alaska by Industry
Based on MoneyGeek's research, these five providers offer the most affordable general liability insurance across different industries in Alaska:
- NEXT dominates affordability in 28 out of 66 industries statewide. The provider performs especially well for diverse sectors including manufacturing, tech/IT, real estate and construction-related businesses.
- Simply Business ranks as the cheapest option in 14 industries, focusing primarily on professional services. The company excels in coverage for accountants, lawyers, consulting firms and software businesses.
- Thimble offers the lowest rates in 12 industries, with strong performance in service-based sectors. The provider leads affordability for construction, HVAC, roofing and tutoring businesses.
- biBerk also covers 12 industries as the most affordable option, specializing in contractor and technical services. The company performs best for engineering, excavation, hospitality and veterinary practices.
- Coverdash and Progressive each lead in 7 industries. Coverdash focuses on automotive and transportation sectors, while Progressive dominates food service, retail and wellness businesses.
Data filtered by:
Select
| Accountants | Simply Business | $13 | $158 |
| Auto Repair | Coverdash | $106 | $1,270 |
| Ad Agency | Thimble | $92 | $1,098 |
| Automotive | Coverdash | $101 | $1,215 |
| Barber | Thimble | $90 | $1,084 |
| Bakery | Thimble | $87 | $1,046 |
| Beauty Salon | Progressive Commercial | $103 | $1,238 |
| Bounce House | biBERK | $54 | $642 |
| Catering | biBERK | $157 | $1,879 |
| Candle | Simply Business | $88 | $1,059 |
| Cannabis | NEXT Insurance | $50 | $600 |
| Computer Programming | Thimble | $90 | $1,084 |
| Cleaning | NEXT Insurance | $95 | $1,134 |
| Coffee Shop | Thimble | $86 | $1,029 |
| Contractor | biBERK | $188 | $2,252 |
| Computer Repair | NEXT Insurance | $35 | $414 |
| Construction | Thimble | $122 | $1,468 |
| Consulting | Simply Business | $13 | $158 |
| DJ | Simply Business | $11 | $127 |
| Courier | NEXT Insurance | $158 | $1,894 |
| Daycare | NEXT Insurance | $24 | $292 |
| Dental | NEXT Insurance | $11 | $138 |
| Ecommerce | Simply Business | $88 | $1,059 |
| Dog Grooming | Thimble | $33 | $396 |
| Drone | biBERK | $12 | $149 |
| Excavation | biBERK | $341 | $4,092 |
| Electrical | NEXT Insurance | $99 | $1,185 |
| Engineering | biBERK | $15 | $185 |
| Food | Progressive Commercial | $97 | $1,164 |
| Florist | Simply Business | $28 | $338 |
| Gardening | Coverdash | $88 | $1,056 |
| Food Truck | Progressive Commercial | $132 | $1,581 |
| Funeral Home | NEXT Insurance | $41 | $486 |
| Home-based | NEXT Insurance | $42 | $505 |
| Handyman | biBERK | $161 | $1,927 |
| Home-based | Simply Business | $16 | $193 |
| Hospitality | biBERK | $129 | $1,544 |
| Janitorial | NEXT Insurance | $102 | $1,222 |
| HVAC | Thimble | $99 | $1,187 |
| Jewelry | Thimble | $151 | $1,808 |
| Manufacturing | NEXT Insurance | $19 | $231 |
| Junk Removal | NEXT Insurance | $120 | $1,439 |
| Lawn/Landscaping | Progressive Commercial | $87 | $1,049 |
| Lawyers | Simply Business | $13 | $158 |
| Marine | NEXT Insurance | $22 | $266 |
| Moving | NEXT Insurance | $91 | $1,087 |
| Massage | Progressive Commercial | $87 | $1,043 |
| Mortgage Broker | NEXT Insurance | $14 | $174 |
| Party Rental | Simply Business | $88 | $1,059 |
| Nonprofit | biBERK | $24 | $290 |
| Painting | NEXT Insurance | $131 | $1,577 |
| Pet | Thimble | $33 | $396 |
| Personal Training | NEXT Insurance | $18 | $212 |
| Pest Control | NEXT Insurance | $24 | $286 |
| Physical Therapy | NEXT Insurance | $21 | $256 |
| Pharmacy | biBERK | $93 | $1,113 |
| Photography | NEXT Insurance | $12 | $147 |
| Pressure Washing | Coverdash | $870 | $10,437 |
| Plumbing | Simply Business | $249 | $2,982 |
| Real Estate | NEXT Insurance | $21 | $246 |
| Retail | Progressive Commercial | $84 | $1,008 |
| Restaurant | Coverdash | $91 | $1,091 |
| Spa/Wellness | Progressive Commercial | $98 | $1,173 |
| Roofing | Thimble | $190 | $2,284 |
| Security | NEXT Insurance | $104 | $1,252 |
| Snack Bars | biBERK | $94 | $1,130 |
| Software | Simply Business | $13 | $158 |
| Tech/IT | NEXT Insurance | $14 | $174 |
| Speech Therapist | Simply Business | $18 | $220 |
| Startup | Simply Business | $13 | $158 |
| Tree Service | NEXT Insurance | $96 | $1,153 |
| Transportation | NEXT Insurance | $30 | $356 |
| Travel | NEXT Insurance | $14 | $174 |
| Trucking | Coverdash | $93 | $1,114 |
| Tutoring | Thimble | $90 | $1,084 |
| Welding | NEXT Insurance | $127 | $1,526 |
| Veterinary | biBERK | $23 | $274 |
| Wedding Planning | NEXT Insurance | $11 | $132 |
| Wholesale | Coverdash | $31 | $372 |
| Window Cleaning | Simply Business | $123 | $1,475 |
Average Cost of General Liability Insurance in Alaska
General liability insurance costs Alaska small businesses an average of $95 per month. The average cost of general liability coverage changes based on your industry, business size, location and coverage limits.
Manufacturing companies often have higher premiums because of increased risk exposure, while accounting firms usually pay less due to lower liability concerns. Sole proprietors usually see cheaper rates compared to businesses with several employees.
Average Cost of General Liability Insurance in Alaska by Industry
General liability insurance costs in Alaska vary widely by industry, ranging from $15 monthly for drone businesses to $809 for pressure washing companies. This difference reflects how business risk levels affect your general liability coverage rates. Review this table to find typical costs for your specific business type.
Data filtered by:
Select
| Accountants | $20 | $246 |
| Ad Agency | $38 | $455 |
| Automotive | $49 | $592 |
| Auto Repair | $151 | $1,809 |
| Bakery | $85 | $1,015 |
| Barber | $47 | $562 |
| Beauty Salon | $62 | $749 |
| Bounce House | $63 | $756 |
| Candle | $50 | $599 |
| Cannabis | $60 | $720 |
| Catering | $96 | $1,147 |
| Cleaning | $114 | $1,368 |
| Coffee Shop | $85 | $1,017 |
| Computer Programming | $32 | $379 |
| Computer Repair | $41 | $492 |
| Construction | $184 | $2,209 |
| Consulting | $21 | $252 |
| Contractor | $225 | $2,699 |
| Courier | $173 | $2,079 |
| Daycare | $30 | $354 |
| Dental | $20 | $241 |
| DJ | $27 | $322 |
| Dog Grooming | $57 | $679 |
| Drone | $15 | $179 |
| Ecommerce | $65 | $779 |
| Electrical | $83 | $994 |
| Engineering | $41 | $486 |
| Excavation | $428 | $5,134 |
| Florist | $39 | $464 |
| Food | $97 | $1,165 |
| Food Truck | $104 | $1,244 |
| Funeral Home | $56 | $677 |
| Gardening | $89 | $1,070 |
| Handyman | $230 | $2,762 |
| Home-based | $23 | $272 |
| Home-based | $42 | $505 |
| Hospitality | $66 | $790 |
| HVAC | $219 | $2,634 |
| Janitorial | $111 | $1,326 |
| Jewelry | $46 | $554 |
| Junk Removal | $147 | $1,767 |
| Lawn/Landscaping | $108 | $1,291 |
| Lawyers | $21 | $254 |
| Manufacturing | $83 | $996 |
| Marine | $25 | $298 |
| Massage | $97 | $1,162 |
| Mortgage Broker | $21 | $257 |
| Moving | $119 | $1,422 |
| Nonprofit | $32 | $389 |
| Painting | $128 | $1,536 |
| Party Rental | $71 | $857 |
| Personal Training | $23 | $281 |
| Pest Control | $29 | $347 |
| Pet | $52 | $622 |
| Pharmacy | $59 | $705 |
| Photography | $24 | $288 |
| Physical Therapy | $153 | $1,839 |
| Plumbing | $344 | $4,131 |
| Pressure Washing | $809 | $9,710 |
| Real Estate | $41 | $490 |
| Restaurant | $141 | $1,695 |
| Retail | $61 | $733 |
| Roofing | $341 | $4,087 |
| Security | $141 | $1,691 |
| Snack Bars | $107 | $1,289 |
| Software | $28 | $338 |
| Spa/Wellness | $88 | $1,059 |
| Speech Therapist | $30 | $355 |
| Startup | $29 | $344 |
| Tech/IT | $28 | $330 |
| Transportation | $33 | $397 |
| Travel | $20 | $234 |
| Tree Service | $124 | $1,483 |
| Trucking | $90 | $1,079 |
| Tutoring | $32 | $385 |
| Veterinary | $39 | $468 |
| Wedding Planning | $30 | $356 |
| Welding | $151 | $1,812 |
| Wholesale | $41 | $488 |
| Window Cleaning | $147 | $1,758 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Alaska General Liability Insurance Costs?
General liability insurance pricing for Alaska businesses changes depending on industry type, location and coverage choices.
Alaska's Remote Geography and Limited Service Access
Alaska's vast geography and limited road infrastructure make claim investigations exponentially more expensive. A simple slip-and-fall investigation that costs $500 in Seattle might cost $2,000 in rural Alaska due to travel expenses. Limited qualified contractors and material shipping costs inflate claim settlements. Insurers price these elevated claim-handling costs directly into general liability premiums.
Alaska's Seismic Activity and Earthquake Risk
Alaska averages more than 12,000 earthquakes per year. Seismic activity causes operations to damage neighboring properties. For example, a shelf collapses and sends inventory through shared walls, or ground movement causes signs to fall on vehicles. Post-earthquake conditions create heightened liability risks like cracked sidewalks or unstable building elements. Insurers price Alaska's constant seismic threat into general liability premiums.
Alaska's Extreme Weather and Climate Conditions
Alaska's brutal winters dramatically increase premises liability exposure for six to eight months annually. Heavy snowfall creates constant slip-and-fall hazards, while ice accumulation on roofs can crash onto pedestrians or vehicles. General liability insurance covers these third-party injuries and property damage claims. The extended exposure period means insurers pay out more in weather-related claims.
Alaska's Elevated Medical and Healthcare Costs
Alaska has the highest healthcare costs in the country, with premiums rising more than 16% from 2023 to 2025. An emergency room visit after a slip-and-fall can cost around $3,000 in Alaska, compared to about $1,200 in many other states. Limited medical facilities also mean some patients must be transported to Anchorage or the Lower 48, which adds to the expense. These higher medical costs contribute to increased general liability premiums.
Alaska's Legal and Regulatory Environment
Alaska's data breach laws require businesses to report security breaches to affected residents, and costs can escalate quickly. Contractors need commercial general liability insurance and a $25,000 surety bond to operate. Alaska's remote regulatory oversight means businesses may face longer resolution times for disputes, increasing legal costs insurers must cover. These regulatory factors make claims cost more to settle.
How Much General Liability Insurance Do I Need in Alaska?
Alaska doesn't require general liability insurance for most businesses, but you'll likely need it anyway. Landlords usually mandate coverage in lease agreements, and clients often require proof before signing contracts.
Licensed electricians, HVAC contractors and safety companies must carry this insurance under state law. Most businesses choose $1 million per occurrence and $2 million aggregate limits to satisfy contractual requirements for commercial general liability coverage in Alaska.
Alaska liability insurance requirements for licensed contractors
Alaska requires the same general liability insurance minimums for electricians, electrical sign contractors, HVAC contractors and safety companies.
All licensed contractors must carry at least $20,000 property damage coverage, $50,000 bodily injury per person and $100,000 bodily injury per accident. These minimums apply regardless of specialty trade, though commercial projects and larger contracts often require higher coverage limits.
Note: Alaska insurance requirements change regularly. Verify current information with the Alaska Division of Insurance or contact a licensed insurance agent for the most up-to-date requirements.
How to Choose the Best General Liability Insurance in Alaska
Getting business insurance in Alaska means finding coverage that protects your operations while fitting your budget and meeting client contract requirements.
- 1Determine Coverage Needs
Alaska doesn't legally require general liability insurance, though most commercial leases across Anchorage, Fairbanks and other cities require proof of coverage before signing. Commercial leases in Alaska commonly require minimum coverage between $1 million and $2 million per occurrence, with aggregate limits matching or doubling per-occurrence amounts.
Review your lease agreement, client contracts and industry standards to determine the coverage limits you need to meet Alaska business requirements.
- 2Prepare Business Information
Gather details insurers need for accurate Alaska quotes, including your business classification, annual revenue, employee count and physical location within the state. Alaska premiums average $48 monthly for general liability coverage, though costs vary based on your industry risk level and whether you operate in urban areas like Anchorage or more remote locations.
Prepare your EIN, Alaska business license and tax documents before requesting quotes to streamline the application process and ensure pricing accuracy.
- 3Compare Multiple Quotes
Request at least three quotes from insurers licensed to operate in Alaska, as rates can differ between carriers serving the state. Compare how each policy handles defense costs (whether they count toward your policy limit or are covered separately) along with deductibles and coverage limits.
Understanding business insurance costs and comparing the cost of your coverage across multiple insurers helps you find the best value while ensuring adequate financial protection for your Alaska business.
- 4Look Beyond Price
Don't select coverage based solely on affordable business insurance rates. Alaska policies commonly exclude professional errors, pollution and employee injuries, requiring separate coverage for these risks. Read your policy's exclusions carefully and understand whether legal defense costs are included within or added on top of your coverage limits, as this distinction impacts your actual financial protection.
- 5Verify Insurer Credentials
Check insurer legitimacy through the Alaska Division of Insurance and review AM Best financial stability ratings before purchasing. Report complaints to the Alaska Division of Insurance at (800) 467-8725 and research complaint ratios to identify carriers with poor claims-handling reputations.
Selecting the best insurance for your business means choosing financially stable insurers with solid track records, as strong backing matters when large claims arise in Alaska's unique business environment.
- 6Ask About Discounts
Alaska insurers commonly offer discounts for bundling policies, maintaining claims-free histories, implementing safety programs and paying premiums annually rather than monthly. Combining general liability with commercial property coverage in a business owner's policy provides cost savings for Alaska businesses, usually reducing premiums by 10% to 25%.
Installing security systems, completing employee safety training or joining Alaska industry associations can also qualify you for reduced rates.
- 7Obtain Certificate of Insurance
Alaska commercial landlords and clients require certificates of insurance as proof of coverage before signing contracts, particularly in major business hubs like Anchorage and Juneau. Many insurers provide digital certificates instantly through online portals, while others may take up to 48 hours for processing.
Keep your agent's contact information readily available for urgent certificate requests, as delays in providing proof of coverage can hold up project starts and contract signings across Alaska.
- 8Review Coverage Annually
Reassess your general liability insurance yearly, especially after hiring employees, expanding services or increasing revenue in Alaska's growing business market. Compare quotes 60 to 90 days before your renewal date to identify better rates or adjust coverage limits based on changes to your business operations.
Maintaining current coverage helps you avoid compliance gaps with commercial leases and prevents unexpected audit adjustments that could increase your premiums later.
Top General Liability Insurance in Alaska: Bottom Line
Finding the right general liability insurance in Alaska starts with understanding your specific business needs and comparing providers thoroughly. NEXT, Simply Business and Thimble represent strong options in the market. Your best choice depends on your industry type, business size and budget. Compare quotes from multiple insurers and verify their credentials before making your final decision.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alaska Department of Labor and Workforce Development. "Construction Contractor Licensing." Accessed January 7, 2026.
- Alaska Division of Geological & Geophysical Surveys. "Earthquakes & Tsunamis." Accessed January 7, 2026.
- Alaska Division of Insurance. "2024 Annual Report." Accessed January 7, 2026.
- Alaska Public Media. "Monthly Premiums for Health Insurance on the Federal Marketplace Will Rise 16% in Alaska Next Year." Accessed January 7, 2026.
- U.S. Bureau of Labor Statistics. "Census of Fatal Occupational Injuries." Accessed January 7, 2026.
- U.S. Geological Survey. "Alaska Earthquake and Tsunami Hazards." Accessed January 7, 2026.
- U.S. Geological Survey. "Earthquakes." Accessed January 7, 2026.
- U.S. Climate Resilience Toolkit. "Arctic Weather and Extreme Events." Accessed January 7, 2026.
- VolcanoDiscovery. "Latest Earthquakes in Alaska and the Aleutian Islands." Accessed January 7, 2026.