Is workers comp required in Indiana?
Indiana generally requires employers with one or more employees to provide coverage. Owners, partners and corporate officers are treated under their own rules, and some workers such as certain agricultural or domestic employees may be handled differently.
Buying coverage in Indiana
Coverage in Indiana is sold by private insurers. Every state also has a market of last resort, so even higher-risk or brand-new businesses can generally find a policy.
Who sets the rules
The Worker's Compensation Board of Indiana oversees workers comp in Indiana. In Indiana, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates.
What Indiana employers should know
- Indiana manufacturers and distribution centers often benefit from return-to-work programs that shorten time away from the job.
- Independent contractors in Indiana can file for a certificate of exemption, but agents still review how those workers are used.
How premiums are calculated
Your Indiana premium starts with payroll in each job classification. Experience mods, schedule credits and minimum premiums then adjust it, and the year-end audit settles the difference between estimated and actual payroll. Learn more about how workers comp rates work and preparing for an audit.
Industry guides for Indiana employers
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Workers comp for general contractors and trades like roofing, electrical, plumbing and painting.…
Restaurant workers comp
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Retail workers comp
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Small business workers comp
Workers comp for small businesses: when it is required, how premium works, pay-as-you-go billing…
Indiana workers comp FAQ
Is workers comp required in Indiana?
Indiana generally requires employers with one or more employees to provide coverage. Rules and exceptions change, so confirm your situation with the state agency or an agent.
Who oversees workers comp in Indiana?
The Worker's Compensation Board of Indiana administers the workers compensation system in Indiana.
Can I buy Indiana workers comp from a private insurer?
Yes. Private insurers write workers comp in Indiana, and a market of last resort is available for businesses that are hard to place.
How is workers comp priced in Indiana?
In Indiana, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates. Your Indiana premium starts with payroll in each job classification. Experience mods, schedule credits and minimum premiums then adjust it, and the year-end audit settles the difference between estimated and actual payroll.