Is Alaska a claims-made or occurrence state?

Alaska is not classified as either a claims-made or occurrence state. Instead, physicians may purchase either type of malpractice policy depending on the carrier.

Many Alaska physicians choose claims-made policies because they typically offer lower initial premiums. However, claims-made policies usually require tail coverage when changing employers, retiring, or switching insurance carriers.

Occurrence policies generally cost more but provide lifetime protection for incidents that occurred during the policy period without requiring tail insurance.