Transportation & Trucking workers compensation in Indiana
Transportation & Trucking businesses in Indiana pay a median rate of $2.36 per $100 of payroll, ranging from $0.220 to $15.15. The national median for Transportation & Trucking is $2.23, so Indiana sits 6% above the national average. 53 unique NCCI class codes are filed in this state for Transportation & Trucking occupations. Verified 2026-05-09.
Top Transportation & Trucking class codes in Indiana
The class codes most likely to apply to a Transportation & Trucking 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 |
|---|---|---|---|
| 7405 N | Livery Service | $0.650 | HIGH |
| 7333 M | Railroad - Employees N.O.C. | $1.33 | HIGH |
| 7016 M | Local Trucking | $1.53 | HIGH |
| 7394 M | Trucking - Drivers | $1.60 | HIGH |
| 7024 M | Long Haul Trucking | $1.70 | HIGH |
| 7395 M | Trucking - Drivers & Helpers | $1.78 | HIGH |
| 7337 M | Taxicab Company | $2.70 | HIGH |
| 7038 M | Mail/Package Delivery | $3.08 | HIGH |
| 7047 M | City Bus Company | $3.10 | HIGH |
| 7398 M | Trucking - Owner Operators | $3.24 | HIGH |
Indiana compliance for Transportation & Trucking employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Transportation & Trucking
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 Transportation & Trucking payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Transportation & Trucking cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Transportation & Trucking premium in Indiana
Pre-filled to Transportation & Trucking 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 Transportation & Trucking in Indiana
$1,100to$75,750
Median: $11,800 · Rate range $0.220 to $15.15 per $100 payroll
Industry median across all states
$11,125
Cheapest states for Transportation & Trucking
- Pennsylvania $0.877
- Washington $1.04
- Utah $1.04
Most expensive
- New Jersey $7.15
- Illinois $4.04
- Minnesota $3.94
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Transportation & Trucking 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 Transportation & Trucking 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
Transportation & Trucking businesses typically use codes like 7405, 7016, 7024. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 7405 N at $0.650 and the most expensive is 7398 M at $3.24.
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Step 3, Get a quote
Private carriers write Transportation & Trucking 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. Transportation & Trucking 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. Transportation & Trucking class allocation can shift if any worker spends more than 50% of time on a different code.
Transportation & Trucking workers comp FAQs in Indiana
What is the typical workers comp rate for Transportation & Trucking in Indiana?
Transportation & Trucking employers in Indiana pay a median rate of $2.36 per $100 of payroll, with rates ranging from $0.220 to $15.15 depending on the specific class code. The national median across all states for Transportation & Trucking is $2.23, so Indiana sits about 6% above the national average.
How many Transportation & Trucking class codes are filed in Indiana?
Indiana has 53 unique NCCI class codes filed for Transportation & Trucking occupations, drawn from 53 state-class code rate cells in our dataset. The most common codes include 7405 (Livery Service), 7016 (Local Trucking), 7024 (Long Haul Trucking).
Are Transportation & Trucking 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 Transportation & Trucking worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Transportation & Trucking workers are subject to the same statutory cap as workers in any other industry.
How long does a Transportation & Trucking 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. Transportation & Trucking workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Transportation & Trucking 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. Transportation & Trucking 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.