Small-business cover in Indiana.
In Indiana, workers’ comp is required at Required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2)[S]Indiana workers' compensation threshold. Under Indiana Code 22-3-2-2, every employer and employee must comply with workers' compensation provisions. Coverage applies from the first day of hire. Sole proprietors, partners, and LLC members may exempt themselves but must cover their employees. Trade licensing is largely handled at the municipal level. Regulated by the Indiana Workers' Compensation Board.
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Indiana starts with workers' compensation, required at Required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2), plus the general liability that most clients and licenses ask for before you can take a job.
What does Indiana require?
Required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2)[C]Indiana workers' compensation threshold
Under Indiana Code 22-3-2-2, every employer and employee must comply with workers' compensation provisions. Coverage applies from the first day of hire. Sole proprietors, partners, and LLC members may exempt themselves but must cover their employees. Trade licensing is largely handled at the municipal level. Regulated by the Indiana Workers' Compensation Board.
What licensing and bonding does Indiana require?
- Many trades licensed locally rather than at the state level
- First-employee threshold for workers' comp (IC 22-3-2-2)