Indiana Workers Comp Rates

Indiana workers' compensation rates continue to increase in 2019.

Indiana is the second cheapest state in the country for buying Workers Compensation Insurance. As of 2018 rates were 43 percent cheaper than the national average. Many employers still pay too much for their coverage by not taking advantage of all the programs and credits available.

We offer easy payment plans including Pay as You Go Workers Comp Coverage. This program helps business owners with cash flow because we know how crucial this is to the success of your business. Pay as You Go Workers Comp Coverage lowers the up-front costs to a business and offers real-time monthly reporting for your premium payment.

At Workers Compensation we can save you money on your Workers' Compensation Insurance Policy. Start an online quote or talk to an expert today about all the many ways we can help your business. 888-611-7467

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IN Rates for Select Work Comp Class Codes

The workers' compensation rates listed below for Indiana represent the lowest and highest insurance rates we've found effective 1/1/2019. IN rates are set by the Indiana Compensation Rating Bureau. Private insurance carriers are permitted to offer discounts and credits on a workers comp policy. We offer Pay As You Go coverage in Indiana. Not all employers will qualify for the lowest rates available or maximum policy credits. Our agency helps Indiana employers buy workers compensation coverage at the lowest rates available.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.29 $1.73
0042 Landscaping Service $2.48 $3.32
0106 Tree Trimming- Pruning- Removal $4.28 $5.73
2121 Breweries- Craft Beers n/a $1.17
2143 Winery- Wine Makers $0.87 $1.17
2585 Carpet Cleaning $1.46 $1.95
2589 Dry Cleaning and Laundry Service $0.94 $1.26
3632 Machine Shop $1.14 $1.53
3724 Garage Door Installation $1.72 $2.30
3821 Salvage Yard- Automobile Recycling $3.35 $4.48
5022 Masonry Construction $2.43 $3.25
5102 Door and Window Installers $2.18 $2.92
5183 Plumbing Contractors $1.05 $1.40
5190 Electrical Work- Electrician $1.24 $1.66
5221 Concrete Work- Flat Work Cement $1.79 $2.40
5223 Pool Installation- Pool Maintenance $3.47 $4.64
5348 Ceramic, Tile and Stone Work $1.48 $1.98
5437 Trim- Finish Carpenters- Cabinets- Countertops $2.55 $3.42
5445 Drywall Contractors $2.34 $3.13
5474 Painting Contractor $2.68 $3.59
5478 Floor Installers- Wood-Carpet-Laminate $1.75 $2.34
5535 Metal Building Construction $2.27 $3.04
5537 HVAC- Heating and Cooling Service/Repair $2.14 $2.87
5537* Solar Energy Contractors- Installation $2.14 $2.87
5551 Roofing Contractors $4.56 $6.10
5606 Asphalt & Paving Work $0.61 $0.82
5645 Residential Construction- Home Builders- Remodelers- Siding $4.67 $6.25
6217 Excavation and Grading Work $1.70 $2.27
6400 Fence Installation & Repair $2.23 $3.10
7219 Trucking- Short Haul and Long Haul $3.05 $4.08
7225 Towing Company $2.51 $3.36
7230 Package and Parcel Delivery $4.80 $6.42
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $3.20 $4.28
7605 Alarm Installation and Repair $1.34 $1.79
7720 Security Guards- Patrol Officers $1.29 $1.73
8006 Gas Stations- Convenient Stores $1.12 $1.50
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.75 $1.00
8292 Warehousing and Storage Facility $1.81 $2.42
8380 Auto Service and Repair- Mechanic $1.19 $1.59
8393 Auto Body Repair $0.98 $1.31
8742 Sales Professional $0.16 $0.21
8810 Clerical- Office Employee $0.09 $0.12
8824 Retirement Living Centers- Congregate Communities $1.51 $2.02
8829 Nursing Homes and Assisted Living Facilities $1.08 $1.45
8831 Animal Shelters and Kennels- Veterinarian $0.73 $0.98
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.16 $0.21
8835 Home Healthcare Workers $1.20 $1.61
8842 Group Homes- Temporary Shelters- Disability Facility $1.82 $2.43
8864 Social Service Organizations- Counseling- Family Services $0.78 $1.04
8868 Religious Organization- Church- Temple $0.21 $0.28
8869 Child Care Center- Daycare Providers $0.69 $0.92
9012 Property Management- Leasing Agent $0.64 $0.86
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $1.49 $1.99
9015 Building Maintenance- Campgrounds- Camps- RV Parks $1.77 $2.37
9052 Hotels and Motels $0.98 $1.31
9060 Golf Courses and Country Clubs $0.81 $1.08
9063 Fitness Center- Health Clubs- YMCA Programs $0.55 $0.74
9082 Restaurants- Catering $0.75 $1.00
9083 Fast Food Restaurant- Concessions- Doughnut Shop $0.67 $0.90
9083* Mobile Food Truck- Food Cart- $0.67 $0.90
9084 Bars-Taverns-Nightclubs $0.75 $1.01
9102 Lawn Service and Maintenance $1.58 $2.11
9180 Shooting Range- Amusement Park $3.76 $5.03
9402 Septic Tank Cleaning- Portable Toilets $2.05 $2.74
9403 Refuse Collection- Garbage- Trash Service $3.11 $4.16
9516 Electrical Equipment Repair and Service $2.11 $2.82

Indiana is an Independent Bureau State, which means they don't utilize NCCI for the administration of workers compensation insurance. IN rates vary by work comp class codes and insurance company underwriting guidelines. Employers' who have an Experience Mod assigned to their business may have additional credits or debits applied to their insurance policy based on prior premiums and workers compensation claims.

State Resources for Indiana

Workers' Compensation Board of Indiana

402 West Washington Street Room W-196
Indianapolis, Indiana 46204

Indiana Department Of Insurance

311 W. Washington, Ste. 300
Indianapolis, IN 46204

Indiana is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in IN. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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