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Purchasing Workers Comp Insurance in Indiana

Indiana State Coverage Requirements

    In Indiana employers are required to purchase workers compensation coverage if they employ one or more workers.

    Sole Proprietors, Partners and LLC Members are all excluded from coverage, but have the option to be included.

    Corporate Officers are included in coverage, but may elect to included.

    Indiana requires Contractors in the building and construction trades to become certified with the Indiana Workers' Compensation Board.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole Proprietors, Partners, Corporate Officers and LLC Members who are included for workers comp coverage must do so at a payroll between $39,000 and $187,200 annually.

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Indiana can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Indiana.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Indiana employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Indiana Comp Specialists

We're a national agency, but Indiana is one of our top states for workers comp coverage. That's because we partner with over 35 insurance companies who specialize in workers compensation. They're eager to quote your coverage.

Quote Indiana Workers Compensation With Us

Indiana Rates

Indiana is the second cheapest state in the country for buying Workers Compensation Insurance. Many employers still pay too much for their coverage by not taking advantage of all the programs and credits available. At Workers Compensation we can save you money on your Workers' Compensation Insurance Policy. Start an online quote to find the many ways we can help your business.

Need Help With Indiana Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our IN Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly covered. Call now to talk to an expert about all the many ways we can help your business 888-611-7467.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Indiana. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Indiana can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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