---
title: "Business Insurance in Indiana"
description: "37 state-specific insurance coverage guides, plus Indiana Department of Insurance contact and license lookup resources for Indiana."
canonical: "https://spot.insure/coverage/states/indiana"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/indiana)

# Business Insurance in Indiana

## Insurance Regulator

**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.[^1][^2][^3]

- [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.[^4][^5][^6][^7]

## Coverage Guides

- [General Liability Insurance in Indiana](/coverage/general-liability/indiana): Indiana bars recovery when a claimant’s fault is greater than the fault of all responsible persons, and its allocation rules do not govern every type of claim.
- [Directors and Officers (D&O) Insurance in Indiana](/coverage/directors-officers/indiana): Check Indiana’s statutory indemnification standards, mandatory successful-defense expenses, and officer-specific rules.
- [Technology E&O Insurance in Indiana](/coverage/technology-errors-omissions/indiana): Check Indiana customer contracts for technology-service scope, cyber overlap, geography and post-service periods.
- [Cyber Liability Insurance in Indiana](/coverage/cyber/indiana): Indiana’s AG FAQ lists consumer, office, and credit-agency notices; its current breach form tracks Indiana-resident counts separately from total people.
- [Media Liability Coverage in Indiana](/coverage/media/indiana): Indiana generally applies a two-year period to actions for injury to person or character. Its anti-SLAPP statute addresses qualifying communications to government, so a media 
- [Indiana employment practices: six workers is the usual private-employer threshold](/coverage/employment-practices/indiana): Indiana’s state civil-rights process generally reaches private employers with six or more employees, subject to specified exemptions and a 180-day complaint period.
- [Fiduciary Liability Insurance in Indiana](/coverage/fiduciary/indiana): Review Indiana retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Indiana Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/indiana): Indiana gives employers and rental drivers a specific BMV proof process after certain incidents; it is not a coverage grant.
- [Professional Liability (E&O) Insurance in Indiana](/coverage/professional-errors-omissions/indiana): See the E&O formula and annual filing schedule for Indiana-registered managing general agents.
- [Workers’ Compensation Insurance in Indiana](/coverage/workers-compensation/indiana): Indiana allows covered employers to insure or obtain Board approval to pay claims directly; contractor exemptions require a filed certificate.
- [Indiana BOP: Ask About Mine Subsidence in 26 Counties](/coverage/business-owners-policy/indiana): Compare a BOP’s building, contents, liability and income limits, then check whether an Indiana location needs the state’s separate mine-subsidence coverage.
- [Indiana Umbrella and Excess Liability Guide](/coverage/umbrella-excess/indiana): Keep a commercial umbrella’s contract limits distinct from Indiana’s qualified-provider Patient’s Compensation Fund process for malpractice exposure.
- [Indiana Medical Malpractice Insurance Guide](/coverage/medical-malpractice/indiana): Verify Patient’s Compensation Fund qualification for every intended insured before relying on Indiana’s statutory protections.
- [Representations and Warranties Insurance in Indiana](/coverage/representations-warranties/indiana): Check Indiana contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Indiana](/coverage/kidnap-ransom/indiana): Indiana buyers can see when requested K&R terms meet the surplus-lines unavailability standard and where to check the issuing carrier.
- [Indiana Crime Insurance Guide](/coverage/crime/indiana): How Indiana funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in Indiana](/coverage/commercial-auto/indiana): Indiana’s commercial auto liability minimum is 25/50/25, and state guidance allows named-driver exclusions in commercial policies.
- [Cargo Insurance in Indiana](/coverage/cargo-transit/indiana): For Indiana intrastate household moves, check operating authority, the filed tariff and the difference between carrier liability and goods insurance.
- [Liquor liability insurance in Indiana](/coverage/liquor-liability/indiana): Indiana applies an actual-knowledge threshold while preserving qualifying common-law claims.
- [Key Person Insurance in Indiana](/coverage/key-person/indiana): Learn how Indiana insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product liability in Indiana](/coverage/product-liability/indiana): Indiana product-liability guide to accrual, repose and the limited late-accrual extension.
- [Commercial Property Insurance in Indiana](/coverage/commercial-property/indiana): Indiana’s DNR flood portal includes mapped floodplains and elevation points, and calls for a Floodplain Analysis and Regulatory Assessment in certain unmapped or known flood-prone areas.
- [Garage Liability Insurance in Indiana](/coverage/garage-liability/indiana): Indiana dealer liability must cover the established place of business; transport operators must report the number of transport-plate sets.
- [Inland Marine Insurance in Indiana](/coverage/inland-marine/indiana): An Indiana Finance Authority service agreement specifically calls for valuable-papers insurance when project documents are produced or used; that obligation belongs to that agreement.
- [Indiana Public Works Contract Bonds](/coverage/surety-bonds/indiana): Indiana public owners use different thresholds and alternatives for payment bonds, performance bonds, and bid security; confirm which political subdivision owns the project.
- [Builders Risk in Indiana](/coverage/builders-risk/indiana): For an Indiana project near a waterway, verify floodway jurisdiction and resolve no-rise or map-revision steps before construction begins.
- [Indiana Equipment Breakdown Insurance Guide](/coverage/equipment-breakdown/indiana): In Indiana, include inspection preparation and any post-move permit gap in the restart plan, then quote equipment, interruption, and spoilage separately.
- [Indiana Management Liability Insurance](/coverage/management-liability/indiana): Compare Indiana employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Indiana](/coverage/product-recall/indiana): Learn what Indiana’s current retail food code says about reconditioning or discarding unsafe food, and separate that from wholesale rules.
- [Indiana Fidelity Bonds for Managing General Agents](/coverage/fidelity-bonds/indiana): Learn which Indiana businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Indiana](/coverage/intellectual-property/indiana): Learn how Indiana law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in Indiana](/coverage/contract-frustration/indiana): How policy issuance, placement channel, and filed wording affect a contract-frustration insurance purchase in Indiana.
- [Venture Capital Asset Protection Insurance in Indiana](/coverage/venture-capital-asset-protection/indiana): Check how Indiana adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Indiana digital-asset custody and license questions](/coverage/digital-assets/indiana): Indiana DFI draws a direct boundary between money-transmitter licensing and virtual-currency transactions.
- [Telehealth Insurance in Indiana](/coverage/virtual-care-telehealth/indiana): Check the Indiana license, patient-location, and entity details that determine which telehealth professionals and organizations may face a claim there.
- [Employee Health Benefits in Indiana](/coverage/employee-health-benefits/indiana): In Indiana, the funding method and policy issuer determine whether the state insurance department can review a workplace health-plan dispute.
- [Indiana trucking insurance: identify when state authority applies](/coverage/trucking/indiana): Indiana separates general for-hire and hazardous-material insurance filings from its Certificate of Public Convenience and Necessity for household-goods and passenger carriers.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [Indiana Department of Insurance](https://www.in.gov/idoi/) — Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
[^2]: [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.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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 2026-09-28.

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