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Alaska Crime Insurance Guide

Alaska’s specific fidelity rules depend on who handles the funds: a broker controlling community-association money must carry blanket fidelity insurance sized to the maximum funds controlled, and an HMO must carry an employee and officer fidelity bond with at least a one-year discovery period. Check which rule applies before comparing those safeguards with your business crime policy.

What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

Alaska Crime Insurance Requirements

Requirement	Details
Community-association funds	When an owners’ association board lets a broker control association fees or other funds, the broker must provide evidence of blanket fidelity insurance covering the maximum funds under the manager’s control. The association and broker may be named in either order as insured and additional insured; the commission may grant an exemption for comparable coverage or unavailability. ¹
Health maintenance organizations	An Alaska HMO must maintain employee and officer fidelity coverage of at least $100,000 or another amount set by the director, with at least a one-year discovery period. A bond with less than a three-year discovery period generally needs 90 days’ written cancellation or termination notice filed with the director, unless the director approves an earlier date. ²

What Should You Watch for With Crime Insurance in Alaska?

Size association coverage to funds controlled
If your community-association broker controls fees or other association money, Alaska requires blanket fidelity insurance sized to the maximum funds the manager can control at one time. Ask how the limit was measured, whether the association is named as an additional insured, and whether any requested exception relies on a commission exemption for comparable coverage or unavailability. ¹
A recovery-fund claim can affect bond recovery timing
If the same association loss may be reimbursed by Alaska’s real estate recovery fund, the statute delays recovery under the required fidelity bond until the association obtains a final judgment, arbitration award, or settlement and files a recovery-fund claim. Ask how the association’s separate crime policy responds and who must report the loss first. ¹
HMO discovery and cancellation terms are statutory
An Alaska HMO’s employee and officer fidelity bond needs at least a one-year discovery period. If the discovery period is under three years, the statute generally requires 90 days’ written notice filed with the director before cancellation or termination takes effect, unless an earlier date is approved. Compare these terms with the policy’s loss-discovery and reporting provisions when changing insurers. ²

Which Crime Insurance Providers Have Documented Alaska Licenses?

These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Alaska. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Coalition
Coalition Insurance Solutions, Inc.
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ¹²
Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.
Corgi
Corgi Insurance Services, Inc.
Insurance producer · checked 2026-09-28
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹³
Corgi lists crime insurance among its main policies.
Vouch
Vouch Specialty Insurance Services, LLC
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁷
As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.

Who Regulates Insurance in Alaska?

Alaska Division of Insurance

The Alaska Division of Insurance regulates insurers and insurance licensees, provides company and licensee searches, and investigates insurance complaints within its authority. Its consumer-services section handles disputes involving claims, cancellations, premium refunds, agents, and insurers. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (907) 269-7900

Surplus-Lines Tax and Stamping Office in Alaska

Reported tax rate. 2.7% of gross premium less returns plus 1% filing fee; wet marine: 0.75%, no fee ^7,^6,^8,⁹

For covered property and casualty surplus-lines risks, Alaska lists a 2.7% tax and a separate 1% filing fee on gross premium less returned premium. Qualifying wet-marine and transportation policies instead carry a 0.75% tax on gross premium and no filing fee; risks of state or local government and certain interstate aircraft are exempt from both tax and fee. A multistate placement is regulated under the insured’s home-state rules, and Alaska says to evaluate each policy’s home state separately.

Alaska has a placement-list exception: If a risk appears on Alaska’s surplus-lines placement list, the Division says the broker does not have to canvass admitted insurers for declinations before placement; the broker must document the applicable list entry. ⁶
Alaska has limited tax and search exceptions: The Division says qualifying wet-marine and transportation policies need no diligent search and pay no 1% filing fee. Tax and filing fees also do not apply to state or political-subdivision risks or qualifying interstate aircraft, although other placement requirements remain. ¹⁰

What Should You Ask Before Buying Crime Insurance in Alaska?

If a broker handles association dues or reserves, what is the maximum amount under that manager’s control at one time, and how was the fidelity limit set?
For an HMO, what discovery period applies and what cancellation notice is filed with the Alaska director?
If an association loss may be eligible for the real estate recovery fund, which policy should be notified and in what order?

Crime Insurance in Alaska: Frequently Asked Questions

Do these Alaska fidelity rules apply to every business?

No. The cited statutes address brokers controlling community-association funds and health maintenance organizations. They do not set one fidelity limit or discovery term for all businesses; use your own quote and policy wording to review those details. ^1,²

How much fidelity insurance does an Alaska community association need?

When the statutory trigger applies, the broker’s blanket fidelity insurance must cover the maximum funds that will be under the community-association manager’s control at any time. The commission can grant an exemption if it determines equivalent coverage exists or coverage is unavailable. ¹

Sources for Crime Insurance in Alaska

Alaska Statutes § 08.88.173: Fidelity Bond for Community Association Managers. Alaska State Legislature; Subsections (a)–(b): blanket fidelity insurance, maximum association funds controlled, insured/additional-insured options, exemption grounds, and recovery-fund claim sequence. Current 2025 statutory compilation accessed September 28, 2026. Accessed 2026-09-28.
Alaska Statutes § 21.86.050: Fiduciary Responsibility. Alaska State Legislature; Subsection (b): HMO employee and officer fidelity bond, minimum, discovery period, and cancellation-notice proviso. Current 2025 statutory compilation accessed September 28, 2026. Accessed 2026-09-28.
Division of Insurance. Alaska Department of Commerce, Community, and Economic Development; Official Division homepage; publishes general contact number (907) 269-7900 and qualifies 1-800-INSURAK for callers in state outside Anchorage. Accessed 2026-09-28.
Research a Company or Agent. Alaska Division of Insurance; Company and licensee search for entities licensed in Alaska. Accessed 2026-09-28.
Complaints. Alaska Division of Insurance; Official complaint filing instructions and matters the Division can investigate. Accessed 2026-09-28.
Surplus Lines. Alaska Division of Insurance; Current surplus-lines guidance on tax reporting, placement-list diligent-search exception, and required policyholder notice. Accessed 2026-09-28.
Alaska Statutes, Chapter 21.34: Surplus Lines Insurance. Alaska Legislature; AS 21.34.180/.190 rates; the Division's accessible current Surplus Lines FAQ reproduces the wet-marine and public-risk exceptions and filing-fee treatment. Accessed 2026-09-28.
Bulletin B 12-05: Alaska Policyholder Notice. Alaska Division of Insurance; Required nonadmitted-insurer notice says claims are not covered by the Alaska Insurance Guaranty Association Act. Accessed 2026-09-28.
15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28.
Surplus Lines. Alaska Division of Insurance; Full current FAQ: rates, wet marine tax/fee/search exceptions, government and qualifying aircraft tax/fee exceptions, home-state determination, and placement-list search rules (lines 92–159). Accessed 2026-09-28.
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.