Alaska requires $500,000 bodily injury/death plus $200,000 property damage per occurrence for commercial freight carriers, with proof filed with DOT&PF. The state sets no on-hook, garagekeepers, or cargo minimum.
Law: AS 19.10.300(a); 17 AAC 25.210(b)(1); 49 CFR 387.9 schedule item (2) and $750,000 tier
Weight / class variation: AS 19.10.300(f)(1) defines 'commercial motor vehicle' for this section only as GVWR/GCWR greater than 26,000 lbs (or >15 passengers). But the operative subsection (a) also has a second, unqualified clause — 'a person who carries freight in a motor vehicle for commercial purposes' — with no weight limit on its face. The $500k/$200k figure is presented as the for-hire/commercial freight rule, with the §(f) definition noted, not as a rule that applies only above 26,000 lbs. General floor for vehicles outside this section remains AS 28.22.101 (50/100/25).
Citation corrected: the prior entry's 1985 SLA Ch. 104 / AS 28.33.010 is dead law — AS 28.33.010 was repealed by § 16, E.O. 98 (1997); the current codification is AS 19.10.300. Figures unchanged and confirmed as current law in the 2025 Alaska Statutes. No state on-hook, garagekeepers, or cargo minimum: the term 'on-hook' appears zero times in 17 AAC 25 and in none of the governing statutes; 'garage' appears in 17 AAC 25 only in out-of-service/repair contexts; the adopted 49 CFR Part 387 cargo provisions (Subpart C) apply only to household-goods carriers. AS 19.10.300(f)(2) defines 'freight' as 'commodities, articles, and cargo' for the liability section only — a definition, not a cargo-insurance mandate. Anchorage municipal bid docs (IFB-5184-26) requiring $1M garagekeeper's liability are a municipal procurement term, not a statewide minimum. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.