Business Insurance in Indiana

Compare multiple quotes from top carriers with one application.
Pink peonies, Indiana's state flower.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for Indiana businesses

United States map.

Learn about Indiana's insurance requirements

Fill out one application.

Complete one free online application

United States map.

Compare multiple quotes and choose the best coverage

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.
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 employer-employee relationships.This policy covers medical bills for work injuries and illnesses.

Blue check mark

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

General liability insurance icon

General liability insurance

This policy is important for all Indiana businesses. It covers common risks, including customer property damage and 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, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Indiana businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance 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’ compensation insurance is required for Indiana businesses that have employees. It can cover medical costs for work injuries and illnesses.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Indiana. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

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
View Small Business Insurance Costs

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 had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo
Compare quotes for Indiana business insurance
Save money by comparing insurance quotes from multiple carriers.