Business insurance · Indiana
Business insurance, without the gaps.
Liability, property, workers’ comp and vehicles reviewed together for Indiana small businesses and contractors — so nothing falls between policies.
Who it’s for
- Contractors & trades
- Retail & restaurants
- Offices & professionals
- Trucking & fleets
- New businesses
What we compare
What insurance does an Indiana small business need?
YK Financial Solutions reviews general liability, property, workers’ compensation and commercial auto together for small businesses and contractors across Indiana, comparing carriers such as The Hartford, Chubb and Next Insurance. These are the coverages we line up.
- General liability
- Injuries and property damage your business causes to others.
- Business owner’s policy
- Liability and property bundled, usually for less.
- Workers’ compensation
- Generally required in Indiana once you have employees.
- Commercial auto
- Vehicles used for work — personal auto often won’t pay.
- Professional & cyber
- Errors in your advice or service, data breaches and ransomware.
- Tools & umbrella
- Gear that moves between job sites, plus extra liability limits.
Indiana at a glance
| Workers’ compensation | Required once you have even one employee. Owners and a few other groups can be exempt. |
|---|---|
| General liability | Not required by state law, but landlords, clients and many contracts require proof of it. |
| Commercial auto | Vehicles used for the business need commercial auto. Indiana’s 25/50/25 liability minimum still applies. |
| Contractor licenses | Many Indiana cities ask contractors for proof of liability insurance before issuing a license or permit. |
Contractors: tools, trucks and liability, together.
General liability, commercial auto, inland marine for your equipment and the certificates your clients ask for — quoted as one picture, not five separate policies.
Get a free quoteWhat we need to quote.
What your business does, annual revenue and payroll, number of employees and vehicles, and any current policies or contract insurance requirements.
Independent
Carriers we work with
No single insurance company employs us, so we shop your coverage across all of them.
Commercial
The Hartford · Chubb · Berkshire Hathaway GUARD · Philadelphia · Next Insurance
Specialty & wholesale
Amwins · Wholesure · AMG
Carrier names are trademarks of their respective owners. Availability varies by product and underwriting.
FAQ
Business questions
All questionsReviewed by Yevhen Khrypunov, licensed Indiana insurance producer · November 2026
What insurance does a small business need in Indiana?
Most start with general liability. Indiana requires workers’ comp once you have even one employee (owners and a few other groups can be exempt). Business vehicles need commercial auto; property, professional and cyber depend on what you do.
General liability vs. a BOP?
General liability covers claims against you. A BOP bundles that liability with property coverage for your building, equipment and inventory, often at a lower combined price.
What affects the price?
Your industry and operations, revenue, payroll, employees and vehicles, claims history, location and the limits you choose. Each carrier has an appetite for different industries — comparing matters most here.
Already insured? Can you review it?
Yes. Businesses that buy one policy at a time often end up with gaps or pay twice for the same thing. A business review looks at everything together, free.
Other coverage
Insurance product availability, features and pricing vary by carrier and by state, and are subject to underwriting. This page is general information, not an offer, quote or personalized advice. Coverage is subject to the terms of the policy issued.