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Small Business Insurance

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 Employers Health Insurance Pooling Bulletin

Small Employer Pooling FAQ

Class of Business as a Rating Factor to Assist Small Employers

Health Insurance

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.

IDOI Health Insurance page

NAIC Insure U on Group Health & Disability for Small Business

Indiana Healthy Worksite Toolkit for Small Businesses, 2nd edition

Indiana’s Small Employer Group Law

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.

Workers’ Compensation

NAIC Insure U on Workers’ Compensation for Small Business

Worker’s Compensation Board of Indiana web site:

Property and Liability Insurance

NAIC Insure U on Business Property & Liability Insurance for Small Business

Automobile Insurance

NAIC Insure U on Commercial Auto Insurance for Small Business

Life Insurance

NAIC Insure U on Life Insurance for Small Business

Life Insurance

Other Small Business Resources

The Department provides you with these additional links that may be useful to your small business.

Indiana Economic Development Corp

Indiana Small Business Development Center

State of Indiana Business Owner’s Guide

Indiana Small Business Administration

U.S. Small Business Administration

NAIC Insure U For Small Businesses

NAIC Insure U on Insurance for Home-Based Business

Take the NAIC InsureU Small Business Quiz to see how much you know about insuring your small business

IRS Information for Small Businesses