Indiana Contractor Insurance Requirements
Indiana requires workers' compensation for all employers, with very limited exemptions. The Indiana Worker's Compensation Board enforces compliance. Indiana contractors must also be registered with the Secretary of State and carry general liability insurance. The state's manufacturing and industrial base means many contractors hold specialized trade insurance in addition to standard GL policies.
Indiana COI Requirements at a Glance
The following table summarizes the minimum insurance requirements for contractors operating in Indiana. Commercial property managers often require limits above state minimums.
| Coverage Type | Minimum / Status |
|---|---|
| General Liability (per occurrence) | $500,000 |
| General Liability (aggregate) | $1,000,000 |
| Workers' Compensation | Mandatory 1+ employees |
| Umbrella / Excess Liability | Commonly Required on Large Projects Common minimum: $1,000,000 |
| Additional Insured Endorsement | Commonly Required |
| Waiver of Subrogation | Commonly Required |
Coverage Notes
GL: Indiana contractor licensing typically requires $500K per occurrence minimum. Indianapolis commercial projects require $1M/$2M.
WC: Indiana Code § 22-3-2-1 requires WC for all employers. Sole proprietors and partners are not counted as employees but any hired employee triggers the mandate.
Umbrella: Required on state agency contracts and larger commercial projects.
Additional Insured: Standard on commercial property management contracts.
Waiver of Subrogation: Standard on commercial contracts in Indiana.
Indiana-Specific Laws & Regulations
These laws directly affect how contractor insurance requirements are structured in Indiana. Property managers should be familiar with these statutes when reviewing vendor COIs.
Indiana Code § 22-3-2-1 (Workers' Compensation Act)
Requires WC for all employers. The Worker's Compensation Board of Indiana administers the program.
Indiana COI Frequently Asked Questions
Common questions from property managers and contractors about insurance requirements in Indiana.
Do contractors in Indiana need workers' compensation?
Yes. Indiana Code § 22-3-2-1 requires workers' compensation for all employers. Any contractor who hires one or more employees must carry WC coverage.
What are the minimum insurance requirements for contractors in Indiana?
Indiana contractor licensing typically requires at least $500,000 per occurrence GL. Commercial property managers in Indianapolis and other major markets require $1M/$2M GL with workers' compensation and additional insured endorsements.
What should I check on an Indiana contractor COI?
Verify GL limits, workers' compensation coverage, additional insured endorsement naming your entity, waiver of subrogation, and that all policy expiration dates extend beyond the contract term.
Are there special insurance requirements for Indiana industrial contractors?
Indiana's manufacturing sector drives demand for specialized coverages like pollution liability, contractor's equipment floater, and installation floater for industrial and manufacturing facility contractors. Request these endorsements when hiring contractors for industrial properties.
Track your Indiana vendor compliance automatically
COIPulse verifies that every contractor COI meets Indiana's requirements — automatically. Stop chasing paperwork and start managing risk.
14-day free trial · No credit card required · Grade your first COI instantly