Construction workers compensation in Indiana
Construction businesses in Indiana pay a median rate of $2.17 per $100 of payroll, ranging from $0.220 to $7.98. The national median for Construction is $2.26, so Indiana sits 4% below the national average. 80 unique NCCI class codes are filed in this state for Construction occupations. Verified 2026-05-09.
Top Construction class codes in Indiana
The class codes most likely to apply to a Construction operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 5191 | Plumbing - Commercial/Industrial | $0.670 | HIGH |
| 5160 | Elevator Erection or Repair | $1.04 | HIGH |
| 5190 | Electrical Wiring | $1.14 | HIGH |
| 5183 | Plumbing | $1.20 | HIGH |
| 4902 | Waterproofing Contractor | $1.28 | HIGH |
| 4828 | Oil & Gas Pipeline Construction | $1.39 | HIGH |
| 6252 D | Shaft Sinking | $1.41 | HIGH |
| 7335 M | Railroad - Construction/Maintenance | $1.48 | HIGH |
| 5192 | Plumbing - Residential/Domestic | $2.00 | HIGH |
| 6251 D | Tunneling | $2.14 | HIGH |
Indiana compliance for Construction employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Construction
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Construction payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Construction cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Construction premium in Indiana
Pre-filled to Construction and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Construction in Indiana
$1,100to$39,900
Median: $10,825 · Rate range $0.220 to $7.98 per $100 payroll
Industry median across all states
$11,300
Cheapest states for Construction
- Utah $0.780
- Washington $1.13
- Kansas $1.21
Most expensive
- New Jersey $6.95
- Illinois $5.01
- New York $4.84
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Construction businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Construction operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Construction businesses typically use codes like 7335, 6251, 6252. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 5191 at $0.670 and the most expensive is 6251 D at $2.14.
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Step 3, Get a quote
Private carriers write Construction coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Construction operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Construction class allocation can shift if any worker spends more than 50% of time on a different code.
Construction workers comp FAQs in Indiana
What is the typical workers comp rate for Construction in Indiana?
Construction employers in Indiana pay a median rate of $2.17 per $100 of payroll, with rates ranging from $0.220 to $7.98 depending on the specific class code. The national median across all states for Construction is $2.26, so Indiana sits about 4% below the national average.
How many Construction class codes are filed in Indiana?
Indiana has 80 unique NCCI class codes filed for Construction occupations, drawn from 80 state-class code rate cells in our dataset. The most common codes include 7335 (Railroad - Construction/Maintenance), 6251 (Tunneling), 6252 (Shaft Sinking).
Are Construction 1099 contractors covered by workers comp 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.
What is the maximum weekly benefit for an injured Construction worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Construction workers are subject to the same statutory cap as workers in any other industry.
How long does a Construction worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Construction workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Construction business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Construction owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.