Contractor Insurance
in Indiana
Protect Your Business in Indiana’s Ever-Changing Construction Landscape
Whether you’re a general contractor in Indianapolis or a roofer in Fort Wayne, you face risks that can stop a project cold—injuries, licensing issues, or even a single lawsuit. ACI provides affordable, trade-specific contractor insurance that meets Indiana’s regulations and keeps your crew, tools, and business protected.
Why Contractors in Indiana Choose ACI
Instant Quotes
Get insured today with fast online quotes and same-day coverage.
Tailored Policies
Coverage designed for your trade, risk level, and team size.
State Expertise
We know Indiana’s contractor license and insurance requirements.
Bundled Savings
Combine multiple policies to save up to 25%.
Fast Certificates
Get proof of insurance the same day you bind your policy.
Insurance Coverage We Offer in Indiana
We offer full coverage options to protect every aspect of your contracting business:
- General Liability Insurance
Covers property damage, injury claims, and lawsuits caused by your work or crew.
- Workers’ Compensation Insurance
Required if you have employees; covers injuries, medical expenses, and lost wages.
- Commercial Auto Insurance
Covers business-owned vehicles used for transporting tools, workers, or materials.
- Tools & Equipment Insurance
Protects gear, tools, and machinery from theft, damage, or loss on and off the job.
- Builder’s Risk Insurance
Covers property under construction against fire, weather, vandalism, or theft.
- Professional Liability Insurance
Helps protect against claims tied to design errors, oversights, or inspection failures.
Who We Cover in Indiana
If you work in Indiana construction, we’ve got a policy built for your trade. ACI insures:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
No matter your crew size or specialty, we’ll help you get covered—fast.
How Much Does Contractor Insurance Cost in Indiana
Contractor insurance costs in Indiana depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Coverage Type
Liability-only vs. full coverage with comp, tools, auto, etc.
- Business Size
More employees and vehicles increase your exposure.
- Annual Revenue
Larger businesses may require higher limits.
- Claims History
Fewer past claims can lead to lower premiums.
- Deductible Chosen
Higher deductibles = lower monthly payments.
Low Down Payments
Many contractors get started for as little as 20% down—without sacrificing coverage.
Get a custom quote tailored to your trade and Indiana location.
Indiana Contractor Insurance Requirements
General Liability Insurance
While not mandated by the state, many cities and counties in Indiana require general liability coverage to obtain or renew a contractor license.
Workers’ Compensation Insurance
Required if you have one or more employees, including part-time workers. This coverage pays for jobsite injuries, medical bills, and wage replacement.
Commercial Auto Insurance
Indiana requires liability insurance for business-owned vehicles, with minimums of $25,000 per person, $50,000 per accident, and $25,000 for property damage.
Requirements vary by city, trade, and job type. Contact ACI for personalized compliance support.
Get a Free Contractor Insurance Quote
in Indiana
Protect your business in minutes. We’ll guide you through your options and deliver a no-hassle, no-obligation quote.