Business Insurance in Indiana

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Get small business insurance for your Indiana business

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Learn about Indiana's insurance requirements

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Recommended insurance policies for small businesses in Indiana

General liability insurance icon

General liability insurance

A general liability policy is important for all Indiana businesses. It covers common risks, including customer injuries. Most commercial leases require this coverage.

  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects businesses that offer professional services or expert advice. It covers lawsuits over mistakes and oversights.

  • Errors that cause a client to lose money
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Indiana businesses that handle credit cards and other sensitive data.

  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an Indiana business.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for Indiana businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
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Commercial auto insurance

The state of Indiana requires this insurance for business-owned vehicles. It covers injuries and property damage in an accident, along with vehicle theft and vandalism.

  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Indiana business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Indiana, from Indianapolis to Fort Wayne.

Blue check mark

Workers' compensation insurance

According to Indiana state law, all workers must be covered by their employer's workers' compensation coverage. This includes both public and private employers.

This policy covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Indiana workers.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Indiana must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Indiana's minimum requirements for auto liability coverage are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Trucking companies may need additional business liability insurance to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

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Commercial insurance can be affordable for Indiana small business owners. Factors that affect insurance rates include:

  • Type of business and its risks
  • Business revenue and location
  • Number of employees
  • Type of insurance purchased
  • Policy limits and other coverage options
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Indiana's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Indiana, insurance agencies, agents, and brokers are licensed by the Indiana Department of Insurance. Insureon is licensed in Indiana as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 699603) and for surplus lines (license number 702909).

You can verify our licensure with the Sircon Corp. Verification System by selecting Indiana, agency, and then entering either of our Indiana state license numbers.

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