Workers Compensation Indiana

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Indiana Workers Compensation at a Glance

  • Requirements for Indiana Workers’ Compensation

    Indiana's no-fault Workers' Compensation system requires that most businesses with employees carry Workers' Compensation coverage. Approved businesses may self-insure and sole proprietors or LLC members are automatically excluded unless optional coverage is chosen.

  • Exceptions for Workers’ Compensation in Indiana

    Most railroad employees and independent contractors are excluded from Indiana's Workers' Compensation coverage requirements. Sole proprietors or LLC members can choose Workers' Compensation coverage for themselves as an option but are not required to carry coverage.

  • Meet your employer obligations for Indiana Workers’ Compensation

    As in most states, Indiana requires employers to post a notice in a conspicuous area detailing the basic covered provisions of Workers' Compensation. New hires and existing employees should be made aware of their coverage and of how to file a claim. Indiana employers are required to keep a record of all injuries.

  • Avoid penalties related to Indiana’s Workers’ Compensation requirements

    Indiana can impose fines of $300 for failure to post a required notice informing employees of coverage. For failure to carry required Workers’ Compensation coverage, employers can face fines of up to $5,000 as well as criminal charges.

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Frequently Asked Questions

Who Must Purchase Workers' Compensation Insurance in Indiana?

Indiana requires Workers' Compensation coverage for nearly all businesses with employees. Sole proprietors, LLC members, and partners are excluded from coverage requirements. However, they can choose to be included if they prefer. Independent contractors are not covered by Workers' Compensation in Indiana.

What Does Indiana Workers' Compensation Cover?

Similar to its structure in other states, Workers' Compensation coverage in Indiana is a no-fault system which can pay for medical bills for work-related injuries or occupational illnesses. Workers' Compensation coverage also provides income replacement for lost wages due to a temporary inability to work as determined by a physician. Vocational rehabilitation benefits are also available for workers whose injuries prevent them from returning to the same job.

How Is Indiana Workers' Compensation Calculated?

Indiana's provision for temporary income due to a work-related injury or illness is paid at 2/3 your average weekly wages, subject to a maximum weekly pay which can change annually as determined by the state. Indiana Workers' Compensation also provides partial income benefits if you are able to work part-time but are unable to return to full-time work.

Where Do I Purchase Indiana Workers' Compensation Insurance?

Employers who need to purchase Workers' Compensation coverage in Indiana can buy coverage through an agent or broker licensed to sell business insurance within the state. Online insurance portals, like CoverWallet, can help you buy Workers' Compensation coverage for your business, as well as other essential business insurance policies.

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References for Workers Compensation in Indiana

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

Worker's Compensation Board of Indiana

402 West Washington Street Room W-196, Indianapolis, Indiana, 46204
Mon through Fri from 8:00 AM to 5:00 PM
(317) 232-3808
Visit the website

Indiana Department of Insurance

311 West Washington Street, Indianapolis, Indiana, 46204
Mon through Fri from 8:00 AM to 4:30 PM
(317) 233-0800
Visit the website

The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.

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