What This License Is
An Alaska Casualty license covers legal liability and the coverages built on it — general liability, commercial and personal auto liability, professional liability, umbrella, and workers' compensation. It is a standalone line of authority with its own exam, level 05.
Alaska keeps Property and Casualty apart. There is no combined P&C exam, so full property-casualty authority means passing level 04 and level 05. Casualty alone is a coherent license for a producer working commercial liability and comp, but it does not reach physical-damage property coverage, and it does not include Personal Lines, which in Alaska is a separate line and a separate exam.
Casualty is the natural pairing exam. Two exams in one test-center appointment cost a single exam fee, and Property plus Casualty is an allowable pairing — so a candidate heading for full P&C should book them together rather than separately. See the [Property guide](/insurance/alaska/property-only/licensing-guide) for the sites where that is practical.
Exam Options & Format
Casualty is level 05, two parts in one sitting: General Knowledge and Casualty — Alaska Specific. The March 2025 outlines give 50 scored plus 5 pretest on the general part and 40 scored plus 10 pretest on the Alaska part, for 90 scored and 105 items; the 2023 handbook prints 60 and 50 for 110. Times come from the handbook alone — 1 hour 15 minutes and 1 hour.
Within the Alaska part, roughly 30 questions are the common-to-all-lines core and roughly 10 are casualty-specific. Those ten are unusually distinctive: the content outline names Alaska Civil Rule 82 procedural requirements per Order 96.03 and 3 AAC 26.500–.550, the Longshore and Harbor Workers' Compensation Act alongside state comp under AS 23.30, and transportation network company provisions in the auto material. None of it has a national analog.
Casualty posted the highest first-time test-center pass rate among the Alaska producer lines in 2025 — 63% (64 of 102). Read that as a fact about the cohort rather than about the difficulty: the Division publishes counts, not candidate profiles, and the online figures for other lines run higher still (Property 87%, Life 70%, both on small volumes). Nothing in the Alaska-specific content is lighter here than elsewhere.
Most Tested Topics on the Alaska Casualty Exam
Two systems carry the Alaska weight on this exam: motor-vehicle liability and workers' compensation. Alaska is generous on auto limits, forgiving on fault, and absolute on comp — and it adds one coverage question that exists in no other state.
| Concept | The Alaska rule |
|---|---|
| Minimum auto liability limits | 50/100/25 — $50,000 per person, $100,000 per accident, $25,000 property damage (AS 28.22.101(d)) |
| Fault system | Tort. Alaska is not a no-fault state — there is no PIP statute, and medical payments coverage is optional |
| UM and UIM | Must be offered at the same 50/100/25 minimums, and may be rejected in writing; once rejected, it stays out of renewals unless requested in writing (AS 28.20.445(e)(3)) |
| Negligence rule | Pure comparative — a claimant 99% at fault still recovers 1% |
| Residual auto market | The Alaska Automobile Insurance Plan (assigned risk), AIPSO-administered |
| ⭐ Civil Rule 82 | Coverage for attorney fees taxable as costs against an insured — Alaska is a partial loser-pays jurisdiction, and liability policies must address the exposure (3 AAC 26.500–.550) |
| Longshore and Harbor Workers | The federal LHWCA is tested alongside state comp, reflecting Alaska's maritime and fishing economy |
| Workers' comp threshold | One employee — AS 23.30.075 requires coverage of every employer with one or more employees, with no small-employer exemption |
| Comp wage replacement | 80% of the injured worker's SPENDABLE weekly wage — gross earnings less payroll tax withholding (AS 23.30.185) |
| Comp claim deadline | 2 years from knowledge of the disability and its relation to employment; 1 year for death claims (AS 23.30.105(a)) |
| Comp compliance | Insure with a licensed insurer, or satisfy the Division of Workers' Compensation as a self-insurer |
| Transportation network companies | TNC provisions appear expressly in the Alaska auto content outline |
Civil Rule 82 is the question you cannot guess. Alaska taxes a portion of the prevailing party's attorney fees against the losing party, which creates a liability exposure that simply does not exist in most states — and 3 AAC 26 Article 4 governs how policies must handle it. If an answer choice mentions attorney fees taxable as costs against an insured, it is testing Alaska law, not general liability theory.
The two comp numbers are the other reliable point-scorers, and both are Alaska twists on a familiar shape. National material trains you toward two-thirds of the average weekly wage; Alaska pays 80% of the spendable weekly wage, a different fraction of a different base. And the coverage threshold is one employee with no exemption at all — an answer choice offering "three or more employees" is offering the pattern from other states.
On auto, resist the reflex toward 25/50/25. Alaska's mandatory minimums are 50/100/25, double the common bodily-injury figures, and UM/UIM must be offered at those same limits with a written rejection required to remove them.
Alaska's Fingerprint Card — a Paper Process With No Vendor and No Code
If you have licensed in another state recently, unlearn the process first. There is no IdentoGO appointment, no Fieldprint registration, no livescan vendor and no service code in Alaska insurance licensing. Nothing on the Division's fingerprinting page, in 3 AAC 23.010, in the fee schedule or in the Pearson VUE handbook references a code of any kind, and none is issued per applicant. Alaska takes a mailed paper fingerprint card.
Who has to do it. 3 AAC 23.010(a) says every applicant for a license from the Division shall furnish fingerprints to the director. In practice the Division applies it to resident applicants and anyone electing Alaska as their home state, and it is triggered again by changing from nonresident to resident status and by reinstating a license that has been canceled or expired for more than 12 months. Nonresident producers whose home state already licenses them are generally not printed here.
What you submit — three things in one envelope. A completed FBI form FD-258 fingerprint hard card, the Division's Privacy and Consent form, and the $47 processing fee. The $47 goes to the State of Alaska and is set by the current fee schedule (form 08-214, revised 27 January 2026); the Division will issue a credit-card invoice on request rather than requiring a check. Ignore the $48.25 printed in the 2023 Pearson VUE handbook and the $51.50 that circulates on older third-party pages — both are superseded.
Where to get printed. Any fingerprinter on the Alaska Department of Public Safety's approved list. There is no contracted provider, so you choose, and you pay that provider's own rolling fee on top of the $47 — 3 AAC 23.010(b)–(c) makes the applicant responsible for fingerprinting service charges and for any search fees the processing agency charges. No agency publishes what rolling costs; DPS tells applicants to contact providers directly. Ask before you sit down.
The order of operations. There is no state-issued code to wait for, so nothing gates the printing itself — you can be rolled before or after you file. What is fixed is the assembly. 3 AAC 23.010(c) provides that a permanent license issues only after the application, with fees and fingerprint card, has been received, the application and fees reviewed and approved, and the card forwarded to the appropriate agency. So: pass the exam → file at NIPR → mail the card, consent form and $47 → the Division approves and forwards the card → the license issues. The whole package must be complete within four months of the application's receipt or the application is treated as withdrawn.
Call before you post. The Division currently publishes two different mailing addresses for fingerprint cards on two live pages — 550 W 7th Avenue, Suite 1560, Anchorage, AK 99501-3567 on its fingerprinting page, and P.O. Box 110805, Juneau, AK 99811-0805 on its licensees page and in the handbook. Both pages are current. Since the card is the one document in the entire Alaska process that cannot be emailed, and a misdirected envelope burns weeks against a four-month clock, confirm the destination with the licensing team at (907) 269-7900 or insurancelicensing@alaska.gov before you send it.
What It Costs
The published costs are $89 an attempt for the exam, $47 for fingerprint processing, and $75 biennially for the license — flat, whatever lines it carries. Two of the real costs are not published anywhere: the fingerprinter's rolling charge and NIPR's transaction fee. Neither is likely to be large, but neither can be quoted honestly in advance.
One avoidable charge: filing a paper application when the transaction could have been submitted electronically adds $50 under the current fee schedule. And every fee paid to the Division is nonrefundable under 3 AAC 31.010 — including on an application that lapses because the fingerprint card arrived late.
Eligibility Requirements
AS 21.27.020 requires that you be 18 or older, a bona fide Alaska resident before the resident license issues, and that you pass the examination. There is no education requirement and no experience requirement.
Where casualty producers should pay attention is the ongoing reporting duty. AS 21.27.025 requires written notice to the director within 30 days of a change of residence, business address, legal name, mailing address, email address, telephone number or compliance officer — and within 30 days of any administrative action by a governmental or financial regulatory authority, or any criminal prosecution, with the final order or the complaint and calendaring order attached. Failure is independent cause for denial, non-renewal, suspension or revocation, and the fee schedule sets graduated penalties of $50 (1–60 days late), $100 (61–120) and $200 (121 or more).
Keeping Your Casualty License Active
Important CE details: 24 credit hours per two-year license period, of which at least 3 must be insurance ethics (3 AAC 23.100). Holding more lines of authority does not raise the number. Up to 8 hours carry forward; no more than 8 hours may come from management, marketing and sales training, and those hours cannot be carried over.
24 credit hours per two-year period, at least 3 in insurance ethics, with no split by line and no increase for holding more lines (3 AAC 23.100). Up to 8 hours carry forward; management, marketing and sales training is capped at 8 hours and cannot be carried.
One wording trap worth knowing if you quote the code: 3 AAC 23.100(b) requires hours in "insurance ethics", while the approved-subject list at 3 AAC 23.105(a)(2)(I) names the area "business insurance ethics". Both phrases genuinely appear in the regulations, and course catalogues use them interchangeably. Credits are tracked and searchable through NAIC State Based Systems; the renewal mechanics, including the birth-year-parity cycle and the late-renewal tiers, are covered in the [P&C guide](/insurance/alaska/property-and-casualty/licensing-guide).
Quick Reference
Official Links
Don't study generic. Study Alaska.
You've got the roadmap. Now get the Alaska-specific Casualty question bank, mock exams, and video course built by instructors with 20+ years teaching this material.