Workers’ Compensation Insurance in Indiana
Protect Your Team & Stay Compliant – Serving Danville, Brownsburg & All of Indiana
No matter your industry, your employees are your most valuable asset. If someone gets injured on the job, workers’ compensation insurance helps cover their medical bills and lost wages — while also protecting your business from costly legal claims.
At Hadley Insurance, we help small businesses in Danville, Brownsburg, Hendricks County, and throughout Indiana secure affordable, compliant workers’ comp coverage. Whether you’re hiring your first employee or managing a full team, we’ll guide you every step of the way.
What Indiana Workers’ Compensation Covers
Our policies are designed to help businesses manage risk and meet state regulations:
- Medical Expenses – Covers treatment, hospitalization, and rehab for work-related injuries or illnesses
- Lost Wages – Pays a portion of employee income while they recover
- Disability Benefits – Short- and long-term benefits for serious injuries
- Death Benefits – Support for families in the event of a fatal workplace accident
- Employer Liability Protection – Protects your business from lawsuits related to workplace injuries
Who Needs Workers’ Comp in Indiana?
Indiana law requires most businesses with one or more employees to carry workers’ comp. Common industries we serve include:
- Construction and contracting companies
- Auto repair and service shops
- Medical and dental offices
- Retail businesses
- Hospitality and food service
- Professional offices and service providers
Local Risks That Make Workers’ Comp Essential
Indiana businesses face a range of workplace hazards that make this coverage critical:
- Slips, trips, and falls in retail or office spaces
- Tool- and machinery-related injuries on job sites
- Lifting, back strain, or repetitive motion injuries
- Seasonal injuries due to snow, ice, or summer heat
- Occupational illness in healthcare and service jobs
Frequently Asked Questions
Workers’ Compensation in Indiana
Is workers’ comp required in Indiana?
Yes — Indiana mandates coverage for most businesses with one or more employees, including part-time staff in many cases.
What happens if I don’t carry workers’ comp?
You could face fines, legal action, and personal liability for employee medical costs and lost wages.
Can owners or officers opt out of coverage?
Yes. Indiana allows certain owners, officers, and sole proprietors to exclude themselves from coverage.
Does workers’ comp cover remote or off-site workers?
Yes — as long as the injury or illness is work-related, it typically applies regardless of location.
Is it expensive for small businesses?
Not always. We’ll compare rates from multiple carriers to find affordable coverage tailored to your industry and risk profile.
Compliant. Covered. Confident.
Indiana Workers’ Compensation Insurance with a Local Partner
At Hadley Insurance, we help Indiana business owners secure coverage that protects employees and keeps operations running smoothly. From Danville to Brownsburg and beyond, count on us for workers’ comp solutions you can trust.