Workers Compensation Insurance for Ketchikan
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Workers Compensation Insurance for Ketchikan: Protecting the Workforce of Alaska’s Maritime Gateway
Ketchikan, often known as the “First City” of Alaska, holds a distinctive place in the state’s economy and culture. Nestled along the southern edge of Alaska’s Inside Passage, it serves as both a commercial hub and a scenic gateway for travelers arriving by sea. With its vibrant mix of fishing, tourism, timber, and maritime services, Ketchikan represents a microcosm of Alaska’s working spirit—a community built on resilience, craftsmanship, and a close relationship with the ocean. Yet, these same factors that make Ketchikan’s economy thrive also introduce unique occupational hazards. The city’s rugged geography, wet climate, and physically demanding industries underscore the importance of a comprehensive safety net. Workers’ compensation insurance in Ketchikan provides that safeguard, ensuring protection for employees and stability for businesses in every sector.
Understanding Workers’ Compensation Insurance in Ketchikan
Workers’ compensation insurance exists to provide critical protection when job-related injuries or illnesses occur. It is a mandatory system in Alaska that serves as a mutual safety mechanism—employees receive guaranteed medical treatment and wage replacement benefits, while employers are shielded from potentially devastating lawsuits. Under the Alaska Workers’ Compensation Act, nearly every employer in Ketchikan is required to carry this coverage if they employ one or more individuals. The system ensures that no worker faces financial hardship from a work injury and that no business faces ruin due to unexpected claims.
In a city like Ketchikan, where industries rely heavily on manual labor and outdoor work, this protection is particularly vital. From fishermen working long hours in unpredictable weather to dockworkers managing cargo or tourism professionals assisting thousands of visitors during cruise season, the potential for workplace injuries is ever-present. Workers’ compensation insurance ensures that when incidents happen, both employees and employers have a clear, legally defined path to recovery and resolution.
Ketchikan’s Economic and Occupational Landscape
The economy of Ketchikan is shaped by its natural resources and maritime position. The fishing industry forms its historical backbone, employing crews, processors, mechanics, and support personnel throughout the year. Fishing, whether commercial or subsistence-based, is physically demanding and often dangerous. Crews contend with slippery decks, mechanical hazards, and long hours that test endurance and concentration. Injuries such as sprains, lacerations, and frostbite are not uncommon. Without adequate workers’ compensation insurance, these injuries could impose severe financial strain on both workers and employers.
Beyond fishing, the timber and maritime logistics sectors continue to play an essential role. Log handling, barge loading, and vessel repair all involve heavy machinery and strenuous labor, presenting risks of crush injuries, falls, and equipment malfunctions. Even tourism—the city’s fastest-growing sector—introduces a variety of occupational challenges. From tour guides navigating crowded docks to hospitality workers managing high-paced seasonal demand, physical strain and accidents can occur in any setting.
Healthcare, education, and government services round out Ketchikan’s employment base, offering more stable year-round opportunities but still carrying their own risks. Healthcare workers are vulnerable to lifting-related injuries and exposure to illness, while educators and administrative staff may experience repetitive stress or ergonomic strain. Workers’ compensation insurance extends protection across all these fields, ensuring that employees receive care and that employers maintain compliance regardless of industry.
The Legal Framework of Workers’ Compensation in Alaska
The Alaska Workers’ Compensation Division administers and enforces the state’s laws concerning workplace injuries. When an employee in Ketchikan sustains an injury or illness arising from their job, the process begins with prompt reporting. Workers must notify their employer within thirty days of the incident, and employers are then required to file a report with the Division within ten days. This ensures that claims are handled efficiently and that medical treatment is not delayed.
Once a claim is submitted, the insurance carrier evaluates the case to determine eligibility for benefits. Covered benefits typically include medical care, hospital expenses, prescription medication, and physical therapy. If an injury results in lost work time, temporary disability benefits replace a portion of the employee’s wages—typically two-thirds of their average weekly pay. For more serious injuries resulting in permanent impairment, long-term disability or reemployment benefits may be available. In cases of fatal workplace incidents, the law provides death benefits and burial expenses to surviving dependents.
The emphasis on rehabilitation and reemployment distinguishes Alaska’s system from many others. Injured workers who cannot return to their previous roles may receive vocational rehabilitation services, helping them gain new skills and reenter the workforce. This approach reflects Ketchikan’s broader community ethos—resilience, adaptability, and mutual support.
Workplace Hazards Unique to Ketchikan
Ketchikan’s environment contributes significantly to its occupational risk profile. The region experiences heavy rainfall throughout much of the year, making outdoor surfaces slick and increasing the risk of slips and falls. The combination of steep terrain, limited daylight in winter months, and proximity to the ocean amplifies these dangers. Workers on docks, fishing boats, and construction sites must navigate constantly changing weather conditions that can quickly transform a routine task into a hazardous one.
Maritime work presents some of the most serious hazards. Fishermen and vessel crews often handle heavy gear, operate winches and cranes, and perform maintenance in confined or unstable conditions. The risk of entanglement, crush injuries, and overboard accidents is significant. Cold temperatures and high winds can lead to hypothermia and fatigue, both of which impair judgment and increase accident likelihood. Even those working onshore—such as seafood processors—face repetitive motion injuries, exposure to cold storage environments, and equipment-related hazards.
The tourism sector, while comparatively lower risk, is not without challenges. During the summer months, when cruise ships bring thousands of visitors daily, local businesses experience high foot traffic and fast-paced operations.
Restaurant and hospitality workers handle sharp utensils, hot surfaces, and cleaning chemicals, while transport providers contend with congested docks and unpredictable weather. Retail employees face ergonomic strain from repetitive tasks and long hours on their feet. In this way, Ketchikan’s economy illustrates the wide-ranging nature of workplace risk—from sea to shore, from high-intensity labor to customer service roles.
Calculating Workers’ Compensation Premiums in Ketchikan
Insurance carriers calculate workers’ compensation premiums through a structured system that reflects the specific risk level of each job type. The process begins with payroll—employers pay premiums based on every $100 of wages paid to employees. Each occupation is assigned a classification code that determines its base rate according to the National Council on Compensation Insurance (NCCI). High-risk industries such as commercial fishing, logging, and construction have higher rates than lower-risk sectors like retail or clerical work.
A critical factor influencing the final premium is the employer’s Experience Modification Rate (EMR). The EMR compares a company’s claims history to that of similar businesses across Alaska. An EMR of 1.0 represents the industry average; a lower number indicates better safety performance, resulting in discounted premiums, while a higher number suggests a greater frequency or severity of claims, leading to surcharges. This system incentivizes employers in Ketchikan to invest in safety and claims management.
Insurance providers also assess workplace safety practices during underwriting. Employers that maintain comprehensive safety manuals, conduct regular training, and implement hazard mitigation programs are viewed as lower risk. Some carriers offer premium credits for documented safety initiatives or participation in loss control programs. For small and medium-sized businesses in Ketchikan—particularly those in physically demanding trades—these savings can be significant over time.
Employer Responsibilities and Legal Compliance
In Ketchikan, as throughout Alaska, employers are required to carry valid workers’ compensation coverage as soon as they hire their first employee. Exceptions are limited, and failure to comply with these laws can lead to serious consequences. The Alaska Workers’ Compensation Division enforces compliance through audits and investigations. Businesses found operating without insurance may face daily fines, stop-work orders, or criminal penalties. More critically, uninsured employers are personally liable for all medical expenses, wage losses, and penalties associated with an employee’s injury. For a small business, even one major claim can lead to bankruptcy.
Employers must also post notices of coverage in visible locations to inform employees of their rights and the steps to take if injured. Accurate payroll records, timely reporting of injuries, and proper classification of workers are essential for maintaining compliance. Many businesses in Ketchikan also work with subcontractors or seasonal laborers, particularly in fishing and tourism. In such cases, employers must verify that subcontractors carry their own valid coverage; otherwise, the primary business may be held liable for any injuries sustained.
The Role of Safety Programs in Reducing Workplace Injuries
While insurance provides financial protection after an accident, prevention remains the most effective form of risk management. Successful employers in Ketchikan recognize that workplace safety is both a moral and financial priority. Developing a strong safety culture begins with leadership commitment—owners and supervisors must model safe behavior and allocate resources for training and equipment.
Safety programs should address the specific hazards of each industry. For maritime employers, this might include training in safe mooring procedures, personal flotation device use, and proper gear handling. For tourism and hospitality businesses, focus areas might include slip prevention, ergonomics, and chemical safety. Construction companies benefit from fall protection systems and regular equipment inspections. Regardless of the field, ongoing safety education and open communication about hazards foster trust and accountability.
Investing in safety yields measurable benefits. Businesses with low injury rates not only protect their employees but also enjoy reduced insurance costs through improved EMR scores. In a close-knit community like Ketchikan, where word of mouth matters, a strong safety reputation also enhances a company’s credibility with clients and workers alike.
Healthcare and Public Service: Caring for the Community
Ketchikan’s healthcare professionals form the backbone of community well-being. Hospitals, clinics, nursing homes, and emergency responders face demanding work environments where physical, emotional, and psychological strains are constant. Nurses lift patients, paramedics respond to unpredictable emergencies, and caregivers work long shifts—often leading to fatigue-related injuries or exposure to contagious diseases. Workers compensation insurance in the healthcare sector ensures that these essential workers receive comprehensive medical and wage benefits if injured on the job.
The importance of coverage in healthcare extends beyond physical injuries. In recent years, Alaska has broadened its interpretation of compensable claims to include certain psychological and stress-related conditions. This evolution is significant in a field where burnout and trauma are increasingly recognized as occupational hazards. For healthcare institutions, investing in supportive programs such as ergonomic assessments, stress management workshops, and mental health resources has proven not only compassionate but economically beneficial. Lower injury rates translate into fewer claims and reduced insurance costs over time.
Public sector employees, including first responders, maintenance crews, and municipal workers, also rely heavily on workers compensation insurance. Ketchikan’s city services—its police, fire department, and utilities—operate under constant exposure to hazardous conditions. Firefighters face heat and smoke, while snowplow operators battle ice-covered streets during winter. Insurance for these professions provides the assurance that, should an accident occur, the men and women who serve the public are fully protected.
Tourism, Retail, and Hospitality: Safeguarding Ketchikan’s Seasonal Workforce
Tourism is the lifeblood of Ketchikan during the summer months, drawing thousands of cruise passengers eager to experience Alaska’s natural beauty. Hotels, tour companies, restaurants, and shops employ a surge of seasonal workers to accommodate this influx. The fast pace of the tourism season, combined with wet weather and long hours, can lead to an increased risk of slips, sprains, and repetitive motion injuries. In restaurants and kitchens, burns and cuts are also common, while tour guides and dockside workers face exposure to outdoor elements and constant movement.
For small business owners, even a single injury can threaten operational continuity. Workers compensation insurance prevents these incidents from turning into financial disasters by covering medical expenses and lost wages. Many insurers in Ketchikan tailor policies to accommodate the fluctuating nature of tourism-based businesses, offering adjustable premiums that reflect seasonal payroll changes. This flexibility allows employers to remain compliant without overpaying during slower months.
In addition to financial protection, insurers often provide safety consultations that help owners identify preventable hazards. Simple measures—such as slip-resistant flooring, employee training in first aid, and regular equipment inspections—can dramatically reduce claim frequency. A reputation for safety also enhances the visitor experience, reinforcing Ketchikan’s image as a welcoming and responsibly managed destination.
Transportation and Shipping: Keeping the Supply Chain Moving
Ketchikan’s isolation from Alaska’s road network means that air and sea transport are essential to its survival. Cargo handling, ferry operations, and air freight services sustain the community by ensuring goods, fuel, and passengers move efficiently. Workers in these sectors face daily exposure to physical risks, including lifting injuries, slips on icy docks, and machinery accidents. The unpredictable maritime weather compounds these hazards, testing both human endurance and equipment reliability.
Workers compensation insurance for Ketchikan’s transportation sector covers a wide spectrum of scenarios—from dockworkers injured during cargo transfers to pilots and ground crews affected by long shifts and stress-related conditions. Employers are responsible for maintaining not only the insurance itself but also rigorous safety procedures. Regular maintenance schedules, fatigue management policies, and hazard communication systems reduce the frequency and severity of accidents.
Insurers often consider fleet safety records and employee training programs when determining premium rates. Companies that adopt telematics technology or real-time monitoring systems to track driver behavior and equipment status frequently benefit from reduced premiums. The integration of technology into risk management demonstrates how traditional industries in Ketchikan continue to evolve without compromising safety.
Timber and Natural Resources: Navigating a High-Risk Environment
Although logging has diminished compared to its historic levels, Ketchikan remains surrounded by vast forests that support timber and resource-based employment. Logging, sawmill operations, and forestry management are among the most physically demanding and hazardous jobs in Alaska. Workers handle heavy equipment, navigate steep terrain, and work in isolated locations where medical assistance may be hours away. Injuries such as fractures, strains, and cuts are common, and the potential for serious incidents is ever-present.
For this reason, workers compensation insurance for resource-based industries in Ketchikan must provide extensive medical, rehabilitation, and long-term care coverage. Premiums in these sectors tend to be higher due to inherent risks, but employers can mitigate costs through rigorous safety training and adherence to best practices. Many logging companies collaborate with insurers to conduct pre-season safety briefings and field audits that emphasize proper gear use, equipment maintenance, and emergency preparedness. These efforts not only save lives but also contribute to sustainable business operations in a challenging field.
Education and Youth Services: Supporting Ketchikan’s Teachers and Mentors
Ketchikan’s educators and school staff play a vital role in shaping the community’s future. While teaching may not appear physically hazardous, the profession carries its own set of occupational risks. Teachers frequently deal with repetitive strain from grading and computer use, as well as stress-related issues stemming from classroom demands. Physical injuries can occur during student activities, playground supervision, or field trips, and school maintenance staff face exposure to chemicals, lifting injuries, and equipment hazards.
Workers compensation insurance ensures that school employees receive proper medical attention and wage replacement in the event of an accident. The expansion of psychological injury recognition under Alaska law also means that educators affected by workplace stress or trauma may qualify for benefits. Schools that prioritize mental health, ergonomics, and preventive wellness not only support their staff but also reduce the frequency and cost of claims. Many local institutions have implemented safety committees and employee wellness programs, strengthening both morale and financial stability.
Legal and Financial Consequences of Non-Compliance
Operating in Ketchikan without proper workers compensation insurance exposes employers to serious penalties. The Alaska Division of Workers’ Compensation enforces strict compliance standards, and businesses found without coverage face fines that can reach thousands of dollars per employee. In some cases, employers may also face stop-work orders or civil litigation from injured workers. Beyond legal ramifications, non-compliance undermines public trust and can disqualify companies from bidding on contracts or participating in cooperative business programs.
For small business owners, the temptation to cut costs by skipping coverage can be disastrous. The financial burden of even one serious injury—including medical bills, lost wages, and potential legal fees—can quickly exceed the savings from unpaid premiums. Maintaining proper coverage is therefore not only a legal obligation but also a safeguard against business failure.
How Premiums Are Determined in Ketchikan
Insurance carriers determine workers compensation premiums based on payroll size, job classification, and claims history. The Experience Modification Rate (EMR) is a key metric that compares a company’s claims record to industry averages. Businesses with lower-than-average claims benefit from discounted premiums, while those with frequent or severe claims face higher costs. Geographic and environmental factors also influence rates in Ketchikan, where weather and remoteness increase exposure levels.
Employers who actively manage risk—through training, regular audits, and consistent reporting—can control their EMR and stabilize premiums. Many Ketchikan businesses also qualify for dividend or return-of-premium programs when they demonstrate strong safety records. These financial incentives reinforce the connection between safety culture and cost efficiency.
Ketchikan’s identity is inseparable from the sea. Its harbors bustle with commercial fishing vessels, tour boats, and processing plants that sustain the local economy year-round. These maritime professions, however, rank among the most hazardous in the nation. Fishermen face unpredictable weather, mechanical hazards, and physical exhaustion from long hours on rolling decks. Injuries such as fractures, hypothermia, and entanglement incidents remain persistent concerns.
In seafood processing plants, workers endure repetitive motion in cold, wet conditions while handling knives and machinery. The combination of fatigue, slippery floors, and sharp tools contributes to a high rate of cuts, strains, and frostbite. Because many workers are seasonal, maintaining consistent training and safety practices poses additional challenges. Workers’ compensation insurers evaluate these factors closely when underwriting coverage. Businesses that enforce strict safety standards—such as deck monitoring, protective gear, and mechanical assist systems—are rewarded with lower premiums. In Ketchikan, where fishing defines both livelihood and legacy, the link between safety and sustainability is unmistakable.
Transportation, Logistics, and Aviation: Keeping Ketchikan Connected
As an island community dependent on marine and air routes, Ketchikan relies heavily on transportation and logistics workers. Pilots, dockhands, cargo crews, and drivers form the connective tissue of the city’s economy, ensuring supplies, fuel, and passengers flow smoothly between islands and the mainland. Yet these essential jobs carry significant risk. Dockworkers handle heavy loads in damp environments, increasing the chance of slips, back injuries, or crush incidents. Truck and equipment operators navigate narrow roads and changing weather conditions, while aviation personnel face hazards tied to aircraft maintenance, fueling, and turbulence.
Workers’ compensation coverage for these industries must encompass a wide spectrum of exposures—from maritime operations to aviation mechanics. Insurers examine maintenance records, driver safety programs, and compliance with federal transport regulations when calculating premiums. Ketchikan employers who implement GPS tracking, fatigue monitoring, and scheduled safety audits demonstrate risk control that directly influences their insurance costs. In a community where connectivity defines commerce, safety practices are not optional—they are essential to the continuity of operations.
Retail, Tourism, and Hospitality: The Heart of Ketchikan’s Visitor Economy
Tourism injects vitality into Ketchikan’s economy every summer as cruise ships line the waterfront and visitors flood local shops, restaurants, and attractions. The retail and hospitality sectors provide crucial seasonal employment but also face a steady stream of workers’ compensation claims. Slip-and-fall injuries are common in high-traffic areas, particularly during rain-heavy months. Kitchen staff encounter burns, cuts, and strains from long shifts, while hotel employees frequently handle repetitive tasks that cause musculoskeletal issues.
For small businesses that operate on thin margins, even a single claim can carry major financial consequences. Workers’ compensation insurance ensures that injured employees receive care without jeopardizing the company’s solvency. Insurers often offer policies tailored to small enterprises, balancing affordability with comprehensive protection. In Ketchikan’s competitive tourism market, businesses that maintain spotless safety records and proactive employee training enjoy not only lower insurance rates but also stronger reputations among customers and staff alike.
Construction, Contracting, and Public Infrastructure
Ketchikan’s rugged terrain and growing infrastructure needs sustain a steady demand for construction and maintenance services. From harbor facilities to residential projects, these worksites present inherent dangers such as falls, heavy lifting, electrical exposure, and machinery accidents. The city’s weather patterns—marked by frequent rain and slick surfaces—further compound the risk. Workers’ compensation insurance plays a vital role in this sector, covering injuries that could otherwise lead to financial hardship or prolonged disability.
Insurers assess construction companies based on their safety documentation, use of protective equipment, and recordkeeping. Firms that adopt comprehensive safety programs, including harness protocols, site inspections, and worker certification, typically qualify for lower experience modification rates (EMRs). Because public contracts often require proof of coverage, maintaining workers’ compensation insurance is not only a regulatory obligation but also a competitive advantage in securing new projects across Ketchikan’s expanding infrastructure landscape.
Energy, Utilities, and Field Operations in Remote Areas
Ketchikan’s energy and utility workers sustain operations across challenging and often isolated environments. Maintaining power lines, servicing generators, or inspecting environmental sites involves exposure to electrocution, extreme weather, and physical exertion. Many assignments take crews into remote areas where immediate medical assistance is not available, making injury prevention a critical focus. Workers’ compensation insurers in this sector account for both environmental risk and logistical barriers when structuring coverage.
Employers who prioritize training and adopt technologies like GPS tracking, real-time hazard reporting, and satellite communication demonstrate strong risk management. These tools not only safeguard workers but also reassure insurers that incidents will be managed swiftly and effectively. The combination of safety planning, equipment maintenance, and weather preparedness keeps both employees and operations protected in Ketchikan’s demanding field environments.
Public Sector and Community Services
Ketchikan’s municipal workforce—including educators, maintenance crews, and first responders—forms the backbone of local governance. Public employees encounter a range of occupational exposures, from classroom ergonomics to emergency response hazards. Workers’ compensation programs for government entities must cover diverse job categories, each with its own risk pattern. For instance, police officers and firefighters face high physical and psychological demands, while administrative staff are more prone to repetitive strain or trip hazards.
Because public agencies rely on taxpayer funding, managing insurance costs efficiently is essential. Preventive training, ergonomic assessments, and wellness initiatives contribute to lower claim rates and more predictable budgets. In Ketchikan, a community-centered approach to employee safety ensures that essential services remain uninterrupted and that those who serve the public are adequately protected.
Seasonal and Environmental Challenges Unique to Ketchikan
Ketchikan’s maritime climate introduces a host of safety challenges that directly influence workers’ compensation exposure. Frequent rainfall creates slippery conditions on docks, stairs, and outdoor worksites. Short winter days reduce visibility, contributing to accidents during transport and construction activities. Wind and storms can disrupt operations, particularly for fishing, aviation, and marine repair businesses. Employers must anticipate these conditions through seasonal training, equipment maintenance, and hazard communication plans.
Cold exposure also presents an ongoing risk for outdoor laborers. Frostbite, hypothermia, and fatigue can occur quickly without proper gear and rest periods. Companies that supply insulated uniforms, provide warming areas, and schedule weather-appropriate work rotations reduce both injury rates and insurance costs. Insurers in Alaska closely monitor how employers adapt to these environmental realities, rewarding those who proactively integrate weather resilience into their safety programs.
The Role of Claims Management in Cost Control
When workplace injuries occur, the timeliness and accuracy of response significantly affect long-term outcomes. Prompt reporting allows injured workers to receive care quickly, minimizing complications and supporting faster recovery. Delayed reporting can lead to higher medical expenses, prolonged absence, and increased premiums. Ketchikan employers should establish clear procedures for documenting incidents, notifying insurers, and maintaining communication with affected employees.
Effective claims management is a partnership between the employer, insurer, and healthcare provider. Many insurers offer dedicated claims specialists who guide businesses through the process, ensuring compliance and efficiency. Employers that maintain contact with recovering workers often see shorter disability durations and stronger employee morale. In a small community like Ketchikan, where word-of-mouth reputation matters, treating injured employees with respect and urgency reinforces trust and loyalty across the workforce.
Building a Safety Culture in Ketchikan’s Workplaces
The most reliable way for Ketchikan employers to reduce workers’ compensation expenses is by cultivating a strong safety culture. Insurance rates are influenced by a company’s Experience Modification Rate (EMR), which compares its claim performance to industry averages. A lower EMR results from consistent prevention, effective training, and a genuine commitment to employee well-being.
Leadership sets the tone. When owners, managers, and supervisors model safety-conscious behavior, it becomes ingrained in daily operations. Regular safety meetings, hazard reporting systems, and return-to-work programs contribute to long-term reductions in injury frequency. Beyond compliance, this culture of prevention improves productivity, employee satisfaction, and community reputation. For Ketchikan’s tight-knit business ecosystem, those benefits are invaluable.
The Economic Impact of Workers’ Compensation in Ketchikan
Beyond individual businesses, the structure of workers’ compensation insurance affects the broader stability of Ketchikan’s economy. By ensuring injured workers receive prompt care and wage replacement, it keeps families financially secure and reduces turnover in key industries. For employers, predictable insurance costs allow for long-term planning and sustainable growth. Local insurers, brokers, and risk consultants play a critical role in guiding businesses toward tailored coverage that fits their operational scale and hazard exposure. Whether a family-run charter company or a major seafood processor, every business depends on the same principle: protecting its people to protect its future.
Is workers' comp mandatory in Alaska/Ketchikan?
Yes — in the state of Alaska (which applies to places like Ketchikan) the law requires most employers to carry workers’ compensation insurance if they have one or more employees.
There are limited exceptions: for example, sole proprietors (operating alone) or owners of LLCs or corporations who own at least 10% of the business may not be required to insure themselves — but they still must insure any employees they have.
So if you are an employer in Ketchikan and you have employees doing work, you must purchase workers’ comp coverage under Alaska law.
What is the average cost of workers' comp in Alaska/Ketchikan?
ChatGPT said:
The average cost of workers’ compensation insurance for businesses in Alaska is approximately $67 per month, which works out to about $805 annually for a small business with two employees.
moneygeek.com
In terms of statewide payroll-based rates, one analysis put the cost in Alaska at about $1.95 per $100 of payroll in 2022, which was about 107 % of the U.S. median at that time.
Because you asked specifically about Ketchikan (in Alaska), bear in mind that within Alaska the exact premium will vary by factors such as the industry, the payroll size, the job risk classification, how many claims the business has had, and the insurer’s underwriting. So for a business based in Ketchikan expect the cost to be in the ballpark of the state average ($67/month) but possibly higher or lower depending on those variables.
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