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The Indiana Department of Insurance understands that small businesses have unique insurance needs. This website is designed to help you to make an informed decision about the insurance coverage you choose for your business and your employees.
Small Employer Pooling FAQ
Providing health insurance for your employees can be one of the most difficult decisions for any small business owner. The following resources can help you educate yourself about the options available to you.
NAIC Insure U on Group Health & Disability for Small Business http://www.insureuonline.org/smallbusiness/topic_grp_health_dis.htm
Indiana Department of Revenue bulletin regarding Employer Health Benefit Plan Tax Credit http://www.in.gov/dor/reference/files/ib101.pdf
Small Employer Wellness Program information from the Indiana Department of Health http://www.in.gov/isdh/19944.htm
Department of Revenue Bulletin regarding Small Employer Qualified Wellness Program Tax Credit http://www.in.gov/dor/reference/files/ib102.pdf
Indiana’s Small Employer Group Law http://www.in.gov/legislative/ic/code/title27/ar8/ch15.pdf
Other Insurance for Small Businesses
Small business owners need to consider types of insurance other than health insurance. Workers’ Compensation coverage is required by State law. Property insurance can protect your business in case of a loss, and liability coverage may be needed in case of a lawsuit. Some employers also purchase key person life insurance to protect the business in case of the loss of an individual vital to the business.
Indiana Worker’s Compensation Handbook http://www.in.gov/wcb/handbook/HANDBK2007.htm
NAIC Insure U on Workers’ Compensation for Small Business http://www.insureuonline.org/smallbusiness/topic_work_comp.htm
Worker’s Compensation Board of Indiana web site: http://www.in.gov/wcb/
Property and Liability Insurance
NAIC Insure U on Business Property & Liability Insurance for Small Business http://www.insureuonline.org/smallbusiness/topic_bus_prop_liability.htm
Automobile Insurance http://www.in.gov/idoi/2333.htm
NAIC Insure U on Commercial Auto Insurance for Small Business http://www.insureuonline.org/smallbusiness/topic_com_auto.htm
NAIC Insure U on Life Insurance for Small Business http://www.insureuonline.org/smallbusiness/topic_group_key_life.htm
Life Insurance http://www.in.gov/idoi/2331.htm
Other Small Business Resources
The Department provides you with these additional links that may be useful to your small business.
Indiana Economic Development Corporation Small Business Resources http://www.in.gov/iedc/301.htm
Indiana Small Business Development Center http://www.isbdc.org/
Indiana Business Owner’s Guide https://secure.in.gov/sos/business/2428.htm
Indiana Small Business Administration http://www.sba.gov/localresources/district/in/index.html
U.S. Small Business Administration http://www.sba.gov/
NAIC Insure U For Small Businesses http://www.insureuonline.org/smallbusiness
NAIC Insure U on Insurance for Home-Based Business http://www.insureuonline.org/smallbusiness/topic_home_based.htm
Take the NAIC InsureU Small Business Quiz to see how much you know about insuring your small business http://www.insureuonline.org/smallbusiness/small_biz_quiz.htm
IRS Information for Small Businesses http://www.irs.gov/businesses/small/index.html