Workers' Compensation Insurance for Indianapolis Employers
Protect your employees and your business. Stay compliant with Indiana law.
Indiana Employers Take Note
Most Indiana employers are legally required to carry workers' compensation insurance. Operating without coverage is a Class A misdemeanor with fines up to $10,000.Call us to get compliant today.
What Workers' Comp Covers
Comprehensive protection for employees and employers
Medical Expenses
Covers all medical treatment for work-related injuries and illnesses
Lost Wages
Replaces a portion of income while employees recover from injuries
Rehabilitation Costs
Pays for physical therapy and vocational rehabilitation
Death Benefits
Provides benefits to families of employees who die from work injuries
Legal Defense
Covers legal costs if you're sued over a workplace injury
Employer Liability
Protection beyond standard workers' comp for negligence claims
Rates by Industry
Workers' comp costs vary significantly by industry risk
Construction
High RiskHighest risk due to physical hazards
Manufacturing
Medium-High RiskEquipment and repetitive motion risks
Healthcare
Medium RiskPatient handling and exposure risks
Retail
Low-Medium RiskLifting and slip/fall risks
Office/Professional
Low RiskMinimal physical hazards
Restaurants
Medium RiskBurns, cuts, and slip risks
Estimate Your Workers' Comp Cost
Workers' comp premiums are calculated as:
(Payroll ÷ 100) × Class Rate × Experience Modifier
$50K
Annual Payroll
×
$1.50
Per $100 (Office)
Estimated Annual Premium
$750/year
*Actual rates vary. Get a custom quote for accurate pricing.
Frequently Asked Questions
Common questions about workers' compensation
Is workers' compensation required in Indiana?
Yes. Indiana law requires most employers to carry workers' compensation insurance. Exceptions include sole proprietors with no employees, certain agricultural workers, and domestic workers. Penalties for non-compliance include fines and criminal charges.
How much does workers' comp cost in Indianapolis?
Workers' comp premiums are based on your payroll and industry classification. Low-risk office workers cost about $0.20-0.50 per $100 of payroll, while high-risk construction can cost $5-15 per $100 of payroll.
What happens if I don't have workers' comp insurance?
Operating without required workers' comp is a Class A misdemeanor in Indiana, punishable by fines up to $10,000 and up to 1 year in jail. You'd also be personally liable for all injury costs without insurance protection.
Can employees sue me if they're injured?
Workers' comp provides "exclusive remedy," meaning employees generally can't sue you for work injuries. However, they can sue for gross negligence or intentional harm, which is covered by employer liability insurance (included in most policies).
How do I lower my workers' comp costs?
Implement safety programs, return-to-work programs, and maintain a claims-free history. Aurex can help you find carriers with the best credits and identify classification codes that accurately reflect your risk.
Get Compliant Today
We work with top workers' comp carriers to find you the best rates. Most policies can start immediately.
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