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A bartender’s hand steadies a tipping stemmed glass before its spill reaches the edge of a bar.Illustration for The General Average

Liquor Liability in Alaska

Alaska’s official 2025 statutes distinguish licensed providers and agents who unlawfully furnish alcohol to a person under 21 or a drunken person from unlawful sellers subject to a separate strict-liability rule. The Legislature’s 2026 HB 306 and SB 284 propose changes but remain in committee in the displayed histories.

What Is Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

What Should You Watch for With Liquor Liability Insurance in Alaska?

The statute uses different rules for licensees and unlawful sellers
AS 04.21.020(a) addresses a licensed provider or agent furnishing alcohol to a person under 21 in violation of AS 04.16.051 or to a drunken person under AS 04.16.030. Subsection (b) separately addresses sales or barter contrary to AS 04.09.060, AS 04.09.800, or AS 04.11.010 when intoxication substantially contributes to civil damages. ³
A qualifying age check can matter
The licensee exception for furnishing alcohol to a person under 21 includes a good-faith defense tied to specified age documents; ask what records the operation keeps and how staff handle questionable identification. ³
A 2026 proposal is not current law
HB 306 and SB 284 propose changes concerning alcohol-related civil liability, but their current 34th Legislature histories show committee referrals and no enactment. This guide follows the enacted 2025 statutes, not proposed bill text. ^1,^2,³

Which Liquor Liability Providers Have Alaska License Records?

These providers publish a national listing for Liquor liability; 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.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁴
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

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. ^4,^5,⁶

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 ^8,^7,^9,¹⁰

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. ⁷
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. ¹¹

Questions to Ask Before You Buy Liquor Liability in Alaska

Which license and service roles apply to this business, and does its local-option area impose additional alcohol rules?
How does the policy define the insured premises and operations, including off-premises sales, delivery, or events?
What evidence of age verification and server training should the business retain if a claim alleges unlawful service?

Liquor Liability Insurance in Alaska: Frequently Asked Questions

Does Alaska apply the same civil-liability rule to every alcohol provider?

No. AS 04.21.020 distinguishes licensed providers and their agents from a person who sells or barters alcohol contrary to AS 04.11.010; the statute uses different liability standards for those situations. ³

Has Alaska’s 2026 HB 306 changed the current rule?

No. The Alaska Legislature’s displayed histories show HB 306 and SB 284 referred to committees, with no enactment recorded; this draft does not treat either proposal as current law. ^1,²

Sources

18 documents, numbered as cited. Open the sources

Sources for Liquor Liability Insurance in Alaska

1
HB 306: Provision of Alcohol—Civil Liability, Bill History. Alaska State Legislature; 34th Legislature bill detail and action history; introduced 2026, referred to House Labor & Commerce and Judiciary, heard and held. Accessed 2026-09-28.
2
SB 284: Alcohol—Offenses and Civil Liability, Bill History. Alaska State Legislature; 34th Legislature bill detail and action history; referred to Senate Judiciary after committee consideration. Accessed 2026-09-28.
3
Alaska Statutes 2025, Title 4, Chapter 21. Alaska State Legislature; Official media=print response; full chapter range 4.21.000–4.21.080, including §04.21.020(a)–(d); retrieved by direct HTTP request on September 28, 2026. Accessed 2026-09-28.
4
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.
5
Research a Company or Agent. Alaska Division of Insurance; Company and licensee search for entities licensed in Alaska. Accessed 2026-09-28.
6
Complaints. Alaska Division of Insurance; Official complaint filing instructions and matters the Division can investigate. Accessed 2026-09-28.
7
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.
8
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.
9
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.
10
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.
11
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.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
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.
17
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.
18
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.

Liquor Liability in Alaska

What Is Liquor Liability Insurance?

What Should You Watch for With Liquor Liability Insurance in Alaska?

The statute uses different rules for licensees and unlawful sellers

A qualifying age check can matter

A 2026 proposal is not current law