High-Risk Commercial Insurance in Indiana

Coverage for Businesses That Take on More Risk — Serving Danville, Brownsburg & All of Indiana

Some businesses face more complex exposures — whether it’s due to the work they do, the environments they operate in, or the clients they serve. High-risk commercial insurance helps protect your company when traditional policies fall short.



At Hadley Insurance, we work with both standard and Excess & Surplus (E&S) lines markets to get tailored coverage for high-risk operations across Danville, Brownsburg, Hendricks County, and throughout Indiana.

Interior of a large factory workshop filled with machinery and equipment. Natural light streams through windows.
Construction workers on a concrete structure, wearing orange vests and hard hats, with a building in the background.

What High-Risk Business Insurance Covers

Our flexible policies are designed for industries with elevated exposure or complex needs:


  • General Liability – For businesses with higher accident, injury, or lawsuit potential
  • Commercial Property – Protects buildings, inventory, and equipment in high-risk environments
  • Professional Liability (E&O) – For advisors, consultants, or firms vulnerable to negligence claims
  • Commercial Auto – For businesses with heavy driving, deliveries, or specialized vehicles
  • Workers’ Compensation – Especially critical in trades with high injury rates
  • Umbrella Insurance – Extra liability limits when standard policies don’t go far enough
Warehouse worker in orange helmet operating pallet jack, moving boxes near shelves.

Types of High-Risk Businesses We Insure

Hadley Insurance helps a range of complex businesses in Indiana secure the protection they need:


  • Contractors in roofing, demolition, or excavation
  • Trucking & freight companies
  • Security firms or guard services
  • Medical or cannabis-related operations
  • Consultants with legal or financial exposure
  • Construction and E&S businesses
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Indiana Risks That Make Specialty Coverage a Must

Indiana’s legal and environmental landscape presents challenges for high-risk companies:


  • Severe weather and windstorm threats to job sites
  • Increased legal action for professional liability or accidents
  • Complex licensing or bonding requirements by city or trade
  • Evolving regulations for emerging or niche industries

Frequently Asked Questions

High-Risk Commercial Insurance in Indiana

  • What makes a business high-risk?

    Factors include accident probability, legal exposure, hazardous materials, or specialized operations that most standard carriers decline.

  • Can high-risk businesses still get affordable insurance?

    Yes. As an independent agency, we shop specialty carriers to find competitive pricing, even for hard-to-insure trades.

  • What is E&S (Excess & Surplus) insurance?

    It’s coverage from non-standard markets that specialize in high-risk or unique business types — typically more flexible in what they’ll insure.

  • Do high-risk businesses still need general liability?

    Absolutely. It’s the foundation of any commercial insurance plan — especially for high-risk industries.

  • Can I get bonded as a high-risk contractor?

    Yes, in many cases. We offer access to surety bonds for licensed professionals and high-risk trades.

When Standard Coverage Isn’t Enough

High-Risk Business Insurance in Indiana, Done Right

Hadley Insurance is your go-to agency for tough-to-insure businesses across Danville, Brownsburg, and the entire state of Indiana. We’ll find a plan that protects you — no matter the complexity.