Alaskacontractor insurance & bonding requirements
Updated April 2026 · Source: AS 08.18.101 + 12 AAC 21
Minimum requirements
- General liability
- $1,000,000
- Surety bond
- $10,000
- Workers' comp
- Required for crews
Licensed general contractors in Alaskacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Residential contractors: $10K bond. Specialty may reduce to $5K.
Common questions
What insurance does a Alaska general contractor need?
A Alaska general contractor needs at minimum $1,000,000 general liability coverage. Workers' compensation insurance is required for crews. Per AS 08.18.101 + 12 AAC 21.
How much is the surety bond for Alaska contractors?
Alaska requires a minimum $10,000 surety bond at the license level. Some project-size tiers or local authorities require additional project-specific bonds. See AS 08.18.101 + 12 AAC 21 for the current schedule.
Who is the licensing authority in Alaska?
AS 08.18.101 + 12 AAC 21 is the authority for Alaska contractor oversight. Public license lookup is available at https://www.commerce.alaska.gov/web/cbpl/ProfessionalLicensing/ConstructionContractors.aspx.
How does AskBaily verify contractors in Alaska?
AskBaily runs automated verification against AS 08.18.101 + 12 AAC 21 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Alaska can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under AS 08.18.101 + 12 AAC 21. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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