--- title: "Indiana Crime Insurance Guide" description: "How Indiana funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage." canonical: "https://spot.insure/coverage/crime/indiana" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/indiana) # Indiana Crime Insurance Guide Indiana applies UCC Article 4A rules to covered funds transfers; the security procedure in your bank agreement can affect whether an unauthorized payment order binds your account. Compare that rule with your crime policy’s funds-transfer and social-engineering coverage, and preserve records for prompt bank and law-enforcement notice. The computer-crime statute cited here is Indiana Code (Computer trespass); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. The computer-crime statute cited here is Indiana Code (Computer trespass); ask whether the policy covers the resulting loss separately from a deceptive payment instruction.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [Indiana](/coverage/states/indiana) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## What to Watch for in Indiana ### Review the Bank Security Procedure Indiana law uses IC 26-1-4.1-202, security procedures and unauthorized payment orders. Ask your bank which call-back, token, dual-approval, or other verification steps apply to payment orders, and ask the agent whether the policy responds if a transfer follows a compromised account or spoofed instruction. Confirm the controlling sections with your banker: IC 26-1-4.1-202, security procedures and unauthorized payment orders. Confirm the controlling sections with your banker: IC 26-1-4.1-202, security procedures and unauthorized payment orders.[^1] ### Match Computer Crime to Policy Triggers Indiana separately criminalizes conduct under IC 35-43-2-3. A criminal statute does not determine whether an insurer must pay your business, so ask the agent to distinguish unauthorized computer access, employee theft, fraudulent instructions, and funds-transfer fraud in the policy definitions and exclusions. The cited state provision is Computer trespass; ask the underwriter to identify the matching insured loss trigger. The cited state provision is Computer trespass; ask the underwriter to identify the matching insured loss trigger.[^2] ### Keep a State Reporting Route Ready Consumer Protection Division complaint channels If a payment scam also affects a customer or vendor, save the instructions, emails, bank notices, and law-enforcement report, then use the Indiana Attorney General’s consumer-fraud route when the matter fits its remit; this complaint process does not replace prompt notice to your bank or insurer. The state's intake page is File a Complaint at https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/; keep its submission separate from notice to the bank and carrier. The state's intake page is File a Complaint at https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/; keep its submission separate from notice to the bank and carrier.[^3] ## Who Regulates Insurance in Indiana **Indiana Department of Insurance.** The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches.[^4][^5][^6] - [Regulator website](https://www.in.gov/idoi/) - [License lookup](https://www.in.gov/idoi/companyentity-financial-compliance/) - [File a complaint](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) - Phone: (800) 622-4461 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.[^7][^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Indiana; [check the regulator’s license lookup](https://www.in.gov/idoi/companyentity-financial-compliance/) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^12] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^18] ## Questions to Ask Before You Buy in Indiana 1. Which Indiana Article 4A security procedure does my bank apply to wire transfers, and could that agreement make me responsible for an order I did not intend? 2. Does this policy cover a loss caused by computer access prohibited by IC 35-43-2-3, including access through a vendor or employee account? 3. Are social-engineering payment instructions, fraudulent wire transfers, employee theft, and computer fraud separate insuring agreements or sublimits? 4. If the incident affects a customer or vendor, which Indiana Attorney General or law-enforcement reporting channel should I use, and what documents should I retain? ## Crime in Indiana: FAQ ### Who pays for an unauthorized wire transfer in Indiana? It depends. IC 26-1-4.1-202, security procedures and unauthorized payment orders governs relevant payment-order questions, including when a commercially reasonable security procedure can make an order effective and what notice duties apply. Ask your bank and agent how the account agreement and crime policy address the same transfer.[^1] ### Where can I report a payment scam in Indiana? The Indiana Attorney General provides file a complaint information for consumer fraud matters. A business should also notify its bank, insurer, and law enforcement promptly and retain transaction records. The filing page is File a Complaint at https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/. The filing page is File a Complaint at https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/.[^3] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Indiana](/coverage/states/indiana) ## Sources [^1]: [Indiana Code, Article 4.1](https://iga.in.gov/laws/current/ic/titles/26) — Indiana Code; IC 26-1-4.1-202, security procedures and unauthorized payment orders. Accessed 2026-09-29. [^2]: [Indiana Code](https://iga.in.gov/laws/current/ic/titles/35) — Indiana Code; Computer trespass. Accessed 2026-09-29. [^3]: [File a Complaint](https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/) — Indiana Attorney General; Consumer Protection Division complaint channels. Accessed 2026-09-29. [^4]: [Indiana Department of Insurance](https://www.in.gov/idoi/) — Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28. [^5]: [Company/Entity Financial Compliance](https://www.in.gov/idoi/companyentity-financial-compliance/) — Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28. [^6]: [Submit a Complaint Online](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) — Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28. [^7]: [Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance](https://iga.in.gov/laws/2025/ic/titles/27#27-1-15.8-4) — Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28. [^8]: [Surplus Lines Agent Licensing](https://www.in.gov/idoi/licensing/resident-licensing/surplus-lines-agent-licensing/) — Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28. [^9]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28. [^10]: [Guaranty Funds](https://www.in.gov/idoi/consumer-services/types-of-insurance/guaranty-funds/) — Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^17]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^18]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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