Small Business Insurance in Indiana
Small Business Insurance in Indiana
biBERK is trusted by many companies for small business insurance in Indiana. We offer flexible policies to protect you from the many types of risk Indiana businesses face.
Indiana Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Indiana to suit your business.Workers' Compensationchevron_right
Indiana General Liability Insurance
Also known as commercial liability insurance, a general liability policy is a vital type of business insurance in Indiana. It covers damages and legal costs associated with injuries to customers and other people you don't employ (slip-and-fall accidents at your location, for example), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.General Liabilitychevron_right
Indiana Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business. For instance, if a severe storm damages your building, you may be covered. You also get coverage for business interruption. This can replace lost income, as well as pay other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. In addition, you can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.Business Ownerschevron_right
Indiana Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. If you’re an accountant, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.Professional Liabilitychevron_right
Indiana Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.Commercial Autochevron_right
Indiana Cyber Insurance
This type of business insurance in Indiana can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.Cyber Insurancechevron_right
We Cover all Kinds of Professionals and Businesses in Indiana, Including:
- Architecture firms and engineering firms
- Building electrician services
- Building owner operations
- Cabinet and trim installation services
- Carpentry services
- Cloth and canvas manufacturers
- Computer installation and repair services
- Concrete driveway installation/repair services
- Contractor building operations
- Debris removal services
- Flooring installers and carpet installers
- Gyms/fitness centers
- Heating and air installation/repair services
- Insurance inspection companies
- Landscaping and gardening services
- Masonry services
- Metal fence installation
- Moving companies
- Painting and wallpaper installation companies
- Park operations
- Paving and road construction companies
- Photographers and photography services
- Plumbing services
- Precision-machined parts manufacturing
- Public health nursing associations
- Retail stores
- Sales and collection services
- Social services organizations
- Tree pruning companies
- Trucking companies and truck drivers
- Wallboard installation companies
Why biBERK for Business Insurance in Indiana?
We’re the experts when it comes to small business insurance.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.
Why is biBERK Better for Indiana Small Business Insurance?
Whether you need Indiana workers’ compensation insurance or other coverages, we’re often less expensive and easier to do business with than other insurance companies in Indiana. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.
Your Source for Indiana Small Business Insurance
Since we’re an online insurance provider, you can connect with us easily to get:
- General liability insurance in Fort Wayne, IN
- Professional liability insurance in Indianapolis, IN
- Commercial auto insurance in Gary, IN
- Workers’ compensation insurance in South Bend, IN
- Cyber insurance in Carmel, IN
- Any coverage we offer, wherever you are in Indiana!
Business Insurance in Indiana: What's Required?
In Indiana, every business is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business in Indiana without a workers’ comp policy.
Other Policy Considerations
While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
What Does Business Insurance in Indiana Cost?
The cost of business insurance in Indiana depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.
Learn what you’ll pay by getting instant online insurance quotes in Indiana.
What are Some Resources for Indiana Small Businesses?
Indiana Department of Insurance
Indiana Small Business Insurance in Three Simple Steps
Get a Quote
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a Policy
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a Certificate
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a Business Insurance Quote Today
Trust biBERK for Indiana small business insurance and save up to 20%.