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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.
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.
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.
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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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:
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.
