Indiana Workers Compensation Insurance-Workmans Compensation

Indiana Workers Compensation Insurance Rules

Indiana Workers Compensation

1. Does my Indiana business need workers compensation insurance?

Yes, all employees must be provided with workers compensation insurance coverage.

2. In Indiana is there any exemptions from carrying workers compensation insurance?

The following categories of employees are exempt from workers compensation insurance and cannot elect optional coverage.

*Railroad Employees
*Employees in Federal Commerce
*Real Estate Professionals
*Independent Contractors
*Volunteers & Coaches

3. Does Indiana workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Independent contractors in the building and/or construction trades are required to become certified with the Indiana Worker’s Compensation Board. Injuries occurring while working as an independent contractor will NOT be covered by worker’s compensation. However, injuries sustained while working as an employee might be covered.

A sole proprietorship may elect to cover the owner as an employee for workers compensation insurance coverage if the owner is actually engaged in the proprietorship business. However, the owner must serve written notice of the election upon the owner's insurance carrier

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

Indiana Workers Compensation

Indiana Workers Compensation Links

Indiana Division of workers compensation home page

Workers Compensation forms for Indiana





	Indiana Workers Compensation Providing Indiana workers compensation insurance, employee leasing and other information, news, facts, and contact information to help your business. Find rules, statutes, forms, and professional help relating to Indiana workers compensation insurance.
Indiana Workers Compensation Insurance Rules 1. Does my Indiana business need workers compensation insurance? Yes, all employees must be provided with workers compensation insurance coverage. 2. In Indiana is there any exemptions from carrying workers compensation insurance? The following categories of employees are exempt from workers compensation insurance and cannot elect optional coverage. Railroad Employees Employees in Federal Commerce Real Estate Professionals Independent Contractors Volunteers & Coaches 3. Does Indiana workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?* Independent contractors in the building and/or construction trades are required to become certified with the Indiana Worker’s Compensation Board. Injuries occurring while working as an independent contractor will NOT be covered by worker’s compensation. However, injuries sustained while working as an employee might be covered. A sole proprietorship may elect to cover the owner as an employee for workers compensation insurance coverage if the owner is actually engaged in the proprietorship business. However, the owner must serve written notice of the election upon the owner's insurance carrier Employee Leasing and Staffing Companies Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers. USL&H & The Jones Act We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws. If you need a quote that requires this coverage Click Here for a USL&H Quote Click here for the complete USL&H Act, courtesy of Cornell University. Click here for: USL&H & Jones Act Information Defense Base Act Division of Longshore and Harbor Workers' Compensation Indiana Workers Compensation Links Indiana Division of workers compensation home page Workers Compensation forms for Indiana Copyright © 2009 Insurance Source.com, Inc.. All rights reserved. Information for State Workers Compensation Alabama \| Alaska \| Arizona \| Arkansas \| California \| Colorado \| Connecticut \| Delaware \| Florida \| Georgia \| Hawaii \| Idaho \| Illinois \| Indiana \| Iowa \| Kansas \| Kentucky \| Louisiana \| Maine \| Maryland \| Massachusetts \| Michigan \| Minnesota \| Mississippi \| Missouri \| Montana \| Nebraska \| Nevada \| New Hampshire \| New Jersey \| New Mexico \| New York \| North Carolina \| North Dakota \| Ohio \| Oklahoma \| Oregon \| Pennsylvania \| Rhode Island \| South Carolina \| South Dakota \| Tennessee \| Texas \| Utah \| Virginia \| Vermont \| Washington \| Washington D.C. \|West Virginia \| Wisconsin \| Wyoming \|