Updated August 2026
Indiana Business Insurance Requirements 2026: Complete Legal Guide
Every Indiana business must meet specific insurance requirements. Here is a complete guide to what is legally required — workers comp thresholds, auto minimums, contractor bonds, and non-compliance penalties.
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Indiana Business Insurance Requirements at a Glance
Workers' Comp Threshold
Mandatory at 1 employee
Commercial Auto Minimums
$25,000/$50,000/$25,000
Contractor Bonds
Indiana does not have a statewide general contractor license; plumbing, electrical, and HVAC require…
Regulator
Indiana Department of Insurance (IDOI)
Workers' Compensation in Indiana
Indiana requires WC for all employers with one or more employees.
Regulated by: Indiana Department of Insurance (IDOI)
Non-Compliance Penalties
WC non-compliance: personal liability for all employee injury costs, fines, potential criminal charges
Contractor Licensing & Bond Requirements
Indiana does not have a statewide general contractor license; plumbing, electrical, and HVAC require state licensing and bonds through IPLA
State Insurance Regulator
Indiana Department of Insurance (IDOI)
https://www.in.gov/idoi
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