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Indiana Workers' Compensation Requirements
At a glance
The details
All employers with employees (IC 22-3-2-2); sole props/partnerships without employees exempt. NOTE: NFIB's 2017 table says 5+ — contradicted by IN WCB/ICRB (stale source example).
If a claim happens: benefit amounts in Indiana
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 07/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in Indiana?
Yes — Indiana requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in Indiana?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in Indiana?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Indiana's current enforcement posture.
Official source: IN Workers' Compensation Board · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules