State regulatory desk

Small-business cover in Indiana.

Workers’ comp threshold in Indiana: Required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2)^[S].

Updated 2026-05-16 · Beaconcover editorial

The short answer: In Indiana, workers' compensation is required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2). Most clients and licenses also ask for general liability before you can take a job.

§ 01

Workers' comp

What does Indiana require?

IN threshold

Required for all employers with one or more employees (coverage begins from first day of hire, per IC 22-3-2-2)^[C]

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.

§ 02

Licensing & bonding

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)

§ 03

Indiana by trade