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Located in the heartland of America, Indiana is full of rich history and thriving industries. From the bustling streets of Indianapolis to the serene landscapes of Brown County State Park, the Hoosier State offers a diverse canvas of natural beauty and urban sophistication.
Renowned for its basketball legacy and automotive manufacturing prowess, Indiana embodies a spirit of resilience and innovation that allows businesses to thrive. When it comes to protecting your business and employees, selecting the right workers' compensation insurance is essential.
Workers’ compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide employees who suffer work-related injuries or illnesses with medical treatment and indemnity benefits.
Part and full-time workers are considered employees under Indiana workers’ compensation law.
Without workers’ compensation, the cost of a work-related injured or employee’s medical treatment could become the responsibility of your business.
The Workers’ Compensation Board of Indiana administers the workers’ comp law in the state. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Workers’ comp coverage can be obtained through a partner like EverPeak Insurance. The Workers’ Compensation Board of Indiana can approve self-insured requests based on financial requirements.
Employees can verify online if their employer has coverage.
Policies include protection for full and part-time employees.
Some exemptions from workers’ comp in Indiana may include, for example:
Workers’ compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases that may develop over time due to job conditions.
Indiana workers’ comp insurance provides four types of benefits for work injuries:
The weekly compensation rate in Indiana is 66 ⅔% of the employee’s average weekly wage for the past 52 weeks. The weekly compensation is not to exceed a maximum amount set by the law.
Find more information on Indiana’s benefit rates.
In the event of a work-related injury or illness:
Employees in Indiana should report their injury to their employer immediately but no later than 30 days from the accident.
The employee should immediately seek medical attention.
Once notified of the injury, employers should file a report of the accident immediately to their workers' compensation insurance partner.
If the workers’ compensation claim is accepted, an injured employee may begin to receive workers’ compensation benefits, such as lost wages and medical benefits.
Following their recovery, a worker is expected to resume work safely. If a work injury has left an injured employee unable to do any type of work, the employee might be entitled to permanent disability benefits.
The employer, or its workers’ compensation partner, can choose the treating doctor for a workers’ compensation injury in Indiana.
If an employee or employer wishes to dispute a claim, the Workers’ Compensation Board of Indiana offers a variety of alternative dispute resolutions. Alternative dispute resolution is a means to help the parties come to an agreed settlement informally.
The Board also offers mediation services where a mediator, trained and certified to act as a neutral third party, works to find a resolution satisfactory for both parties.
Generally, employers in Indiana with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
Employers who fail to provide workers’ compensation coverage commit a Class A infraction. The Workers’ Compensation Board of Indiana can fine up to $10,000 and order the employer to cease business in Indiana until the employer provides proof of insurance.
In most cases, employees in Indiana are barred from suing their employers for work-related injuries or illnesses. The workers' compensation system provides an exclusive remedy, meaning that employees typically cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injuries or illnesses.
Generally, independent contractors in Indiana aren’t covered by workers' compensation insurance. Workers' compensation laws typically apply to employees rather than independent contractors. However, it's important to note that the classification of a worker as an independent contractor or an employee can be complex, and misclassification can lead to legal disputes. If unsure whether an independent contractor should be treated as an employee, seek legal guidance.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensure the necessary steps are taken to initiate the workers' compensation claims process.
Employees can verify online if their employer has coverage.