Contractor Insurance in Indiana
Protect Your Business, Your Tools, and Your Team with Indiana Contractor Insurance
At Hadley Insurance, we specialize in helping contractors across Danville, Brownsburg, Hendricks County, and all of Indiana get the right coverage. Whether you're a general contractor, electrician, or plumber, our policies are designed to protect your work — and your reputation.
As an independent, veteran-owned agency, we partner with top carriers to build coverage that fits your trade, your job sites, and your budget.
What Our Contractor Insurance Covers
We offer comprehensive insurance for independent tradespeople, subcontractors, and small construction businesses, including:
- General Liability – Covers third-party injuries, property damage, and legal defense.
- Tools & Equipment Coverage – Replaces or repairs stolen or damaged tools.
- Workers’ Compensation – Protects your team in the event of injury on the job.
- Commercial Auto Insurance – Covers vehicles used for business operations.
- Errors & Omissions (E&O) – Protects against claims of professional negligence or mistakes.
- Inland Marine Insurance – Coverage for mobile tools, equipment, and materials.
- Surety Bonds – Meet state or client requirements with license, permit, or performance bonds.
Popular Add-Ons for Contractors in Indiana
Depending on your trade and business model, you may also need:
- Additional insured endorsements (for subcontractor agreements)
- Increased liability limits for high-risk job sites
- Blanket waiver of subrogation
- Pollution liability (for HVAC, plumbers, etc.)
- Hired and non-owned auto coverage
Who Needs Contractor Insurance in Indiana?
Whether you’re a one-person shop or manage a small crew, contractor insurance is essential for:
- General contractors & subcontractors
- Electricians, plumbers, HVAC techs
- Handymen & carpenters
- Roofers & remodelers
- Landscapers & painters
- Small trade-based business owners
Local Risks to Consider in Indiana
Working in Indiana presents unique challenges, from weather to legal exposure:
- Severe storms and wind damage at job sites
- Equipment theft or vandalism from parked trailers or vehicles
- Client injury or property damage while on-site
- Legal disputes over unfinished or delayed work
Frequently Asked Questions
Contractor Insurance in Indiana
Do Indiana contractors need insurance?
Yes — many clients, cities, and counties require proof of insurance to work legally in Indiana.
What type of insurance is required for contractors in Indiana?
General liability is often required. Workers’ comp and bonds may also be needed depending on your trade and business size.
Do I need a bond to work as a contractor in Indiana?
Many Indiana cities require surety bonds for licensing. We offer license, permit, and performance bonds tailored to your field.
Can I get coverage for my tools and trailers?
Yes. We offer inland marine and equipment insurance that covers tools on the move or on-site.
Is workers’ compensation required in Indiana?
If you have employees, yes — Indiana law requires it. We’ll help ensure you're compliant and covered.
Get the Protection Your Trade Deserves
Indiana Contractor Insurance Tailored for You
Hadley Insurance helps contractors across Danville, Brownsburg, and all of Indiana get coverage that works as hard as they do. Let’s protect your projects, your people, and your peace of mind.