Quick guide: Workers’ compensation in Indiana
Your small business work comp questions answered
You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in Indiana — what it is, who needs it, and where you can buy it.
What is workers’ comp?
What does workers' compensation insurance cover?
How do I know if I need workers' comp insurance?
There are just a few exceptions, which are listed in the next question.
Are there any exceptions for family members, farms or small businesses?
- Sole proprietors, limited liability company managers, and partners aren’t covered unless they elect to be.
- Agricultural employees performing traditional types of farm labor directly related to the tending of crops and livestock are not included in the work comp statute. Workers doing other types of work in a farm setting may be covered by work comp law. Employers can purchase a work comp policy for the farm workers.
How much will it cost?
Your workers’ compensation premium is based on how much your payroll is, how dangerous your industry is, and your business’s history of work injuries. If you have a clean safety record, it can help keep your premium low.
For more on how premium is calculated, see our Workers’ Comp 101 page.
Where do I buy workers’ comp insurance?
Where can I get more information on workers’ compensation in Indiana?
Since workers’ comp coverage is mandated by the state, the Workers’ Compensation Board of Indiana is your go-to source of information.
For safety requirements and information, check out the Indiana Occupational Safety and Health Administration (IOSHA).