Business Insurance in Indiana

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What are the requirements for small business insurance in Indiana?

State laws can affect which insurance policies you need for your small business. These policies are required for Indiana businesses.
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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 employer-employee relationships.This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Indiana must be covered by commercial auto insurance. Indiana requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

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

Recommended insurance policies for small businesses in Indiana

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Indiana business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Indiana business insurance

In Indiana, insurance agents, agencies, 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 into the field marked "License Number."

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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