Alaska Workers' Compensation Cost Calculator
Key facts: workers' comp in Alaska
- Who must be covered
- Mandatory starting at 1 employeeOfficial agency: DWC
- Average rate
- $1.16 per $100 of payrollRank #20 of 51 (#1 = most expensive), above the $1.09 national median
- Rating organization
- NCCINational Council on Compensation Insurance · Private insurers
- Verified from official records
- October 3, 2026Rates: Oregon DCBS study, June 2025
Alaska requires every employer with one or more employees in the state to carry workers' comp, unless the Alaska Workers' Compensation Board has approved it as a self-insurer. There's no state fund: coverage comes from the commercial market, through an insurance agent or broker.
Rates in effect January 1, 2024 · Oregon Department of Consumer and Business Services, 2024 study (June 2025) · Nothing you enter leaves your browser
2024 study rate for all industries in Alaska. Edit it if your policy shows a different rate.
For the class you're pricing. Insurers rate each class code's payroll separately.
Printed on your experience rating worksheet or renewal. New or small employers that don't qualify for experience rating are rated at 1.00.
Estimated premium
$11,600
per year at an EMR of 1.00
At an average mod
$11,600
per year at an EMR of 1.00
Your EMR's impact
$0
no adjustment
Effective cost: $1.16 per $100 of payroll.
At an EMR of 1.00, your claims history neither raises nor lowers this premium.
Every claim from now on counts toward your next three renewals. IncidentLog makes the first step — a complete, same-day incident report — take about 90 seconds from a job-site QR code.
Create a free accountEstimate before schedule credits or debits, premium discounts, expense constants, state assessments and minimum premiums — your insurer's quote will differ.
Who must carry workers' comp in Alaska?
Mandatory starting at 1 employee
Official agency
Alaska Division of Workers' Compensation (DWC)
Market: Private insurers
Alaska workers' comp rates by business type
Rate per $100 of payroll for common class codes in Alaska, against the median of the 51 jurisdictions in the study.
| Business type (NCCI code) | Alaska | U.S. median | Difference |
|---|---|---|---|
| Office and clerical staff (8810) | $0.25 | $0.11 | +127% |
| Retail store (8017) | $1.15 | $1.20 | −4% |
| Restaurant (full service) (9082) | $1.41 | $1.09 | +29% |
| Restaurant (fast food) (9083) | $0.99 | $1.09 | −9% |
| Hotel (all other employees) (9052) | $1.83 | $1.79 | +2% |
| Assisted living / retirement center (care staff) (8824) | $2.20 | $2.03 | +8% |
| Hospital (professional staff) (8833) | $1.04 | $0.82 | +27% |
| Electrical contractor (5190) | $2.23 | $2.37 | −6% |
| Plumbing contractor (5183) | $2.70 | $2.70 | 0% |
| Residential carpentry (up to 3 stories) (5645) | $7.79 | $8.71 | −11% |
| Roofing (5551) | $12.45 | $9.64 | +29% |
| Trucking (7219) | $5.64 | $5.72 | −1% |
Alaska uses NCCI class codes. Your insurer applies the rate for your own classes, then your EMR.
What a bad EMR costs in Alaska
Take $500,000 of payroll at Alaska's $1.16 index rate: $5,800 a year at an average mod of 1.00.
- EMR 0.85
- $4,930/yr
- EMR 1.25
- $7,250/yr
- Difference
- +$2,320/yr
A claim year usually stays in the mod for three renewals, so the gap adds up to about $6,960. The mod is built from claims, and the cheapest claim is the injury caught early.
IncidentLog lets crews report an injury or near miss from a job-site QR code in about 90 seconds, so you hear about it the same shift and see patterns on your OSHA 300 log before they become claims.
Create a free accountAlaska workers' comp FAQ
Is workers' comp insurance mandatory in Alaska?
Yes. Alaska requires workers' compensation coverage from the first employee. Source: Alaska Division of Workers' Compensation.
How are workers' comp rates set in Alaska?
Employers buy coverage from private insurance companies. The Oregon DCBS study lists NCCI (the National Council on Compensation Insurance) as Alaska's rating organization. Your own premium then depends on your class codes, your payroll and your experience modification rate (EMR).
What is the average workers' comp rate in Alaska?
The Oregon Department of Consumer and Business Services's 2024 study puts Alaska's all-industry index rate at $1.16 per $100 of payroll for rates in effect on January 1, 2024, 106% of the study's national median of $1.09. That ranks Alaska #20 of 51 jurisdictions, where #1 is the most expensive (#21 in the 2022 study). Your own rate depends on your class codes.
Sources
Official texts behind this page (3 quotes)
“The Alaska Workers' Compensation Act requires each employer having one or more employees in Alaska to obtain workers' compensation insurance, unless the employer has been approved as a self-insurer by the Alaska Workers’ Compensation Board.”
Workers' compensation requirements for employers — Alaska Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“Alaska does not have a state fund for workers' compensation insurance. Employers should contact their insurance agent or broker for assistance in acquiring a workers' compensation policy for their business.”
Workers' compensation requirements for employers — Alaska Division of Workers' Compensation (opens in a new tab) · checked October 3, 2026
“To request an ADA accommodation with the Division of Workers’ Compensation, please email workerscomp@alaska.gov”
Workers' compensation — Alaska Department of Labor and Workforce Development (opens in a new tab) · checked October 3, 2026
An estimate for planning, not a quote, legal or insurance advice. IncidentLog is not an insurer or broker. Median rate across all industries: $1.09 per $100.