IN · ICRB

Workers comp rates and rules in Indiana

Indiana has 561 workers comp class codes with filed rates, a maximum weekly benefit of $1,000 (66.67% of average weekly wage), and a statute of limitations of 2 years. Verified 2026-05-08.

Cheapest code $0.050 Farm - Hay Baling (Custom)
Median rate $0.230 across 50 top codes
Priciest code $0.460 Railroad Shop Employees

Class code rate comparison

The top 50 workers comp class codes filed in Indiana, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.

State Occupation Code Rate per $100 vs peers Source
Indiana Farm - Hay Baling (Custom) 0065 D $0.050 100% view
Indiana Farm - Threshing (Custom) 0066 D $0.050 100% view
Indiana Farm - Silo Filling (Custom) 0067 D $0.050 100% view
Indiana Architects 8603 $0.050 80% view
Indiana Real Estate Clerical 8803 $0.050 95% view
Indiana Hospice Care - All Other 8871 $0.050 79% view
Indiana College Other Employees 8820 $0.080 68% view
Indiana Furniture Salespersons 8723 $0.090 78% view
Indiana Hospice Care 8855 $0.090 89% view
Indiana Clerical office 8810 $0.100 73% view
Indiana Ambulance Service 7402 $0.110 82% view
Indiana Telephone/Telegraph Companies 8901 $0.110 60% view
Indiana Telemarketing Clerical 8814 M $0.130 81% view
Indiana Boat Livery 7453 N $0.140 13% view
Indiana Medical Office Clerical 8805 M $0.150 81% view
Indiana Jewelry Salespersons 8721 $0.170 47% view
Indiana Salesperson, outside 8742 $0.170 59% view
Indiana Consulting Engineers 8601 $0.190 64% view
Indiana Physician, non-surgical 8832 $0.190 62% view
Indiana Advertising Sales 8755 $0.200 62% view
Indiana Property Management NOC 8737 M $0.210 56% view
Indiana Landscape Gardening 0771 N $0.220 50% view
Indiana Glassware Manufacturing 4109 $0.220 44% view
Indiana Interior Trim Installation 5951 $0.220 33% view
Indiana Vessel Operations NOC 7445 N $0.220 31% view
Indiana Insurance Adjusters 8734 M $0.230 56% view
Indiana Jewelry Stores 8013 $0.240 82% view
Indiana Farm - Custom Harvesting 0059 D $0.250 100% view
Indiana Clerical Telecommuter Employees 8815 M $0.250 88% view
Indiana Irrigation Systems Installation 0766 N $0.260 - view
Indiana - Office $0.270 - view
Indiana Barber, beauty parlor, hair stylist 9586 $0.280 64% view
Indiana RV Salespersons 8748 $0.300 50% view
Indiana College, non-faculty 8868 $0.300 73% view
Indiana Office Machinery Manufacturing 3826 $0.350 30% view
Indiana Oil & Gas Well Drilling 4825 $0.350 30% view
Indiana Adult Day Care 8856 $0.350 71% view
Indiana Oil refinery 3719 $0.390 30% view
Indiana Telecom Line Construction 7610 $0.390 64% view
Indiana Asbestos Goods Manufacturing 4149 $0.400 65% view
Indiana Explosives Manufacturing 4611 $0.400 14% view
Indiana Drug Manufacturing 4511 $0.410 81% view
Indiana Flat Glass Manufacturing 4740 $0.420 35% view
Indiana Residential Property Management 8738 M $0.420 88% view
Indiana Outside Sales - All Other 8799 $0.420 63% view
Indiana Stevedoring Operations 7431 N $0.430 44% view
Indiana Retail Store - Shoe 8072 $0.430 78% view
Indiana Waterworks Company 7515 $0.440 32% view
Indiana Fruit & Vegetable Stores 8015 $0.440 60% view
Indiana Railroad Shop Employees 7421 $0.460 73% view

Bottom quartile (cheap) Mid Top quartile (expensive) This state

Indiana coverage rules & benefits

Coverage threshold

Employers with one or more employees are generally required to carry workers' compensation insurance.

Max weekly benefit

$1,000 (66.67% of average weekly wage), effective 2024.

TTD weeks

500 weeks of temporary total disability benefits.

PPD weeks

250 weeks of permanent partial disability (whole-body schedule).

Death benefit

Up to $500,000 in fatal-claim death benefits to dependents.

Statute of limitations

2 years from injury date to file the claim.

1099 contractor treatment

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. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.

Estimate your premium in Indiana

Pre-filled to Indiana. Pick your industry and 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 Manufacturing in Indiana

$1,100to$63,550

Median: $6,850 · Rate range $0.220 to $12.71 per $100 payroll

Industry median across all states

$7,300

Cheapest states for Manufacturing

  • Utah $0.490
  • Kentucky $0.940
  • Virginia $0.950

Most expensive

  • California $4.74
  • New Jersey $3.56
  • Hawaii $2.94

Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.

Filing & compliance in Indiana

  1. Step 1, Confirm coverage threshold

    Employers with one or more employees are generally required to carry workers' compensation insurance.

  2. Step 2, Determine class code

    Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.

  3. Step 3, Get a quote (or use the state fund)

    Private carriers like Travelers, Hartford, and Liberty Mutual write coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Track payroll & subcontractors

    A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Keep certificates of insurance for every sub.

  5. 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.

Penalty for non-coverage: Penalties are assessed for failing to maintain worker’s compensation insurance coverage on an employer’s workers.

Indiana workers comp FAQs

Who has to carry workers compensation insurance in Indiana?

Employers with one or more employees are generally required to carry workers' compensation insurance.

What is the maximum weekly workers comp benefit in Indiana?

The current maximum weekly benefit in Indiana is $1,000 (effective 2024). Benefits are typically 66.67% of the average weekly wage, capped at the state maximum.

How long do I have to file a workers comp claim in Indiana?

The statute of limitations for filing a workers compensation claim in Indiana is 2 years from the date of injury. Notice to the employer is typically required within 30 days.

Are 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.

Can business owners exclude themselves from workers comp coverage in Indiana?

Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.

What is the penalty for not carrying workers comp in Indiana?

Penalties are assessed for failing to maintain worker’s compensation insurance coverage on an employer’s workers.

When does my workers comp carrier audit my payroll in Indiana?

Indiana typically requires a payroll audit within 90-120 days of policy expiration. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.

Am I liable for subcontractors' workers comp in Indiana?

A principal contractor can be held liable for injuries to employees of uninsured subcontractors.

Related in Indiana