AmeriSure in Indiana
AmeriSure writes workers compensation insurance in Indiana, with A AM Best rating and a $1,500 minimum premium. Indiana carriers operate under ICRB rate filings, with a max weekly benefit of $852 and a statute of limitations of 2 years. Verified 2026-05-09.
AmeriSure in Indiana
Mid-market specialist with strong loss-control services. The carrier's industry focus is manufacturing, construction, transportation, and the AM Best rating is A with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Indiana workers comp rules that apply to every carrier
Indiana workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $852 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 2 years from the date of injury. Coverage threshold: Employers with one or more employees are generally required to carry workers' compensation insurance. On 1099 contractors: Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
How to get a AmeriSure quote in Indiana
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. AmeriSure can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does AmeriSure write workers comp in Indiana?
Yes. AmeriSure writes workers compensation in 24 states (mostly midwest + south), including Indiana. AM Best rates the carrier A (Stable outlook), and the minimum premium is $1,500. Quotes go through agents or direct underwriting.
What kind of Indiana businesses does AmeriSure target?
AmeriSure focuses on manufacturing, construction, transportation. Mid-market specialist with strong loss-control services.
What is the max weekly workers comp benefit in Indiana on a AmeriSure policy?
Statutory benefits are set by state law, not by the carrier. Indiana caps weekly indemnity at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. AmeriSure pays the same statutory benefit as any other Indiana carrier.
How does AmeriSure handle 1099 contractors in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties. AmeriSure audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does AmeriSure offer pay-as-you-go workers comp in Indiana?
Yes. AmeriSure offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Indiana through AmeriSure.
When does AmeriSure audit my payroll in Indiana?
Indiana carriers including AmeriSure audit within 90-120 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.