Indiana Workers’ Compensation

USTAX BAY
Apr 30
2 min read

Essential Guide for Employers

Written by US Tax Bay

At US Tax Bay, we support business owners across the U.S. with payroll and compliance solutions. If your business is based in Indiana, understanding your workers’ compensation responsibilities is critical for legal compliance and employee protection.

Is Workers’ Compensation Required in Indiana?

Yes.

All businesses in Indiana with employees are required to carry workers’ compensation insurance, regardless of the number of workers.

Which Workers May Be Excluded from Coverage?

Some types of workers in Indiana may not require coverage, including:

Railroad workers
Police and fire department employees
Casual laborers
Farm or agricultural workers
Household employees
Seamen and longshoremen (covered by federal programs)
Real estate agents
Independent contractors
Student athletes on scholarship
Prison inmates
Reserve police officers
Volunteers and youth sports coaches

Careful worker classification is crucial to avoid violations.

How to Purchase Workers’ Compensation Insurance in Indiana

Indiana business owners have multiple options:

Private insurance carriers
Indiana Assigned Risk Pool – for high-risk businesses unable to obtain private coverage
Self-insurance – employers who meet financial requirements can pay workers’ compensation claims directly

US Tax Bay can assist in selecting the best option for your industry and ensure you stay compliant.

Penalties for Noncompliance

Operating without coverage in Indiana can result in serious consequences:

Civil penalties of up to $50 per employee per day
A stop-work order until coverage and penalties are resolved
Criminal misdemeanor charges for willful noncompliance, punishable by:
- Up to 1 year in jail
- Fines of up to $5,000

Avoid business interruption and legal exposure by staying insured.

Death Benefits for Workers’ Families

In the unfortunate event of a work-related death:

Eligible dependents may receive two-thirds of the employee’s average weekly wage for up to 500 weeks
A lump-sum funeral benefit of up to $7,500 is available

Need Help Setting Up Your Business Payroll and Compliance?

U.S. TAX BAY makes it simple for new and growing businesses!

We handle everything you need:

✔️ Payroll Tax Registration

✔️ FEIN (Federal Employer Identification Number) Registration

✔️ Secretary of State (SOS) Business Registration

✔️ Workers' Compensation Registration Support

✔️ Full-Service Payroll Management

✔️ Unemployment Insurance Account Setup

✔️ Ongoing Compliance Services

⚡ Fast Turnarounds. Expert Support. Affordable Pricing. ⚡

📞 Get a FREE Consultation Today!

🌐 Visit: www.ustaxbay.com

📧 Email: info@ustaxbay.com

Why Trust US Tax Bay?

We help employers across the U.S. streamline business setup, meet insurance requirements, and stay ahead of compliance issues. Count on US Tax Bay to keep your Indiana business protected.

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