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Telehealth Insurance in Indiana

Indiana’s licensing agency lists a broad set of practitioner classes under the telehealth statute, but only certain classes are prescribers; practitioners still must hold the applicable Indiana license. Since July 1, 2024, the old practitioner and facility telehealth certificates are no longer required, while out-of-state practitioners, employers, and contractors remain subject to Indiana courts and law for covered Indiana-patient claims. This does not establish what a liability policy covers. 1,2

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What to Watch for in Indiana

  • Practitioner And Prescriber Classes Differ

    Indiana’s telehealth statute lists professions including nurses, counselors, dentists, therapists, psychologists, veterinarians, and others as practitioners, while the separate prescriber definition is narrower. Ask the broker to list the actual licensed professionals, prescribers, and entity activities in your practice instead of assuming one classification covers every role. 1

  • Old Telehealth Certificates Ended

    Indiana terminated telehealth and facility certificates effective July 1, 2024. The licensing agency says practitioners still need the appropriate Indiana professional license, so ask your broker to review the current license and insured-entity structure rather than relying on the retired certificate. 2

  • Indiana Claims Reach Employer And Contractor

    A practitioner physically outside Indiana who establishes a provider-patient relationship or decides whether to prescribe for a person located in Indiana agrees to Indiana jurisdiction and law for claims arising from those services; the agency explains this extends to the practitioner’s employer or contractor. Ask whether your policy names the organization and relevant contracting entity. 2

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. 3,4,5

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. 6,7,8,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Indiana

  1. Does this policy list the Indiana clinicians, prescribing professionals, employing entity, and telehealth contractor?
  2. Do our policy forms identify Indiana as a covered jurisdiction for services when the clinician is physically out of state?
  3. Which of our professions are prescribers under Indiana’s narrower statutory definition, and are those roles accurately declared?

Virtual Care And Telehealth in Indiana: FAQ

Does Indiana still require a telehealth certificate for an out-of-state practitioner? 2

No. The Indiana Professional Licensing Agency says those practitioner and facility certificates ended July 1, 2024, but clinicians must still hold the required Indiana professional license. 2

Can an Indiana telehealth claim also name an out-of-state employer or contractor? 2

Yes. The agency says an out-of-state practitioner who treats a patient located in Indiana agrees to Indiana jurisdiction and law for related claims against the practitioner, employer, or contractor. 2

Virtual Care And Telehealth in Other States

Other Coverage in Indiana

Sources

  1. Information on Telehealth, IC 25-1-9.5. Indiana Professional Licensing Agency; Provider classes and IC 25-1-9.5-6 to -8: patient location, practice standards, relationships, consent, records, follow-up. Accessed 2026-09-28.
  2. Telehealth Regulatory Changes and Termination of Telehealth Certifications for Out-of-State Practitioners. Indiana Professional Licensing Agency; Senate Enrolled Act 132-2024, §§5–6; effective July 1, 2024; IC 25-1-9.5-9 and -10. Accessed 2026-09-28.
  3. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  4. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  5. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  6. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  7. 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.
  8. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  9. 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.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. 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.
  12. Insurance Producer 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.
  13. About Hiscox US 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.
  14. 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.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  16. Insurance Licenses by State. 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.
  17. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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