Indiana Workers Compensation Rates

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 1/1/16. 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.
Class Code	Low Rate	High Rate
0042 Landscaping	$4.17	$5.76
3632 Machine Shop	$1.60	$2.20
3821 Salvage Yard	$3.85	$5.32
5022 Masonry	$3.17	$4.38
5183 Plumbing	$1.32	$1.82
5190 Electrical	$1.83	$2.52
5221 Concrete Construction	$2.48	$3.43
5437 Carpentry/Trim	$3.01	$4.16
5474 Painting	$3.54	$4.90
5478 Flooring	$2.31	$3.19
5645 Carpentry Noc Res Construction	$5.81	$8.02
7228 Short Haul Trucking	$3.36	$4.65
8006 Gas Station	$1.45	$2.01
8017 Retail Store	$0.97	$1.34
8380 Auto Shop	$1.72	$2.37
8742 Outside Sales	$0.24	$0.33
8810 Clerical	$0.12	$0.16
8832 Doctor's Office	$0.20	$0.28
8835 Home Health Care	$1.70	$2.34
9012 Building Operations by Owner	$0.93	$1.28
9014 Janitorial	$1.83	$2.52
9015 Building Operations by Contractor	$2.51	$3.47
9082 Resturaunt	$1.05	$1.45
9083 Restaurant Fast Food	$0.91	$1.26
9102 Lawn Care	$2.11	$2.91
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.

Indiana Compensation Rating Bureau (ICRB)

ICRB is the assigned risk plan for the state of Indiana. When employers can’t find workers compensation insurance in the regular market, they have this provider available as a market of last resort. This market is also known as the assigned risk market, residual market, or the pool. Once an employer can’t find coverage from three insurance companies, it can apply for coverage in the market of last resort. Assuming the employer meets all other qualifications, the ICRB guarantees coverage for the employer.

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State Resources for Indiana

Workers' Compensation Board of Indiana

402 West Washington Street Room W-196
Indianapolis, Indiana 46204
800-824-comp
http://www.in.gov/wcb/

Indiana Department Of Insurance

311 W. Washington, Ste. 300
Indianapolis, IN 46204
317-232-2385
http://www.state.in.us/idoi/

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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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$0 Money Down		Better Payment Options
We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.		We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.


Tough Class Codes		Faster Insurance Quotes
We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.		Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.