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COVERAGE / WORKERS' COMP / STATES / INDIANA
WORKERS' COMP · INDIANA

Workers' comp in Indiana.

Indiana requires workers' comp from the first employee. Indiana's own rating bureau uses NCCI's codes. You buy coverage from carriers.

REQUIRED
From the first employee
RATING BUREAU
ICRB
CLASS CODES
NCCI codes
BUY FROM
Carriers
WHO MUST CARRY IT

Required from the first employee.

The rule

Indiana requires workers' comp from the first employee.

Source: Indiana Worker's Compensation Board, Compliance, checked October 5, 2026.

Coverage rules: Indiana Worker's Compensation Board, Compliance, checked October 5, 2026.

CLASS CODES HERE

Indiana's own rating bureau uses NCCI's codes.

Rating bureau

Indiana has its own rating bureau, the Indiana Compensation Rating Bureau (ICRB).

Indiana Compensation Rating Bureau (ICRB)

Class system

NCCI's codes, with codes specific to Indiana.

Manual: NCCI Basic Manual with Indiana-specific codes (subscription); ICRB look-up page

Codes on our pages

Most codes on our pages are in Indiana's list; the exceptions are below.

All class codes, by industry

In Indiana's list

List: ICRB, January 1, 2026 rate filing (approved by IDOI 2025-09-30, ICRB Circular 2025-08), checked October 5, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages that are in Indiana's list. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Indiana?
Yes. Indiana requires workers' comp from the first employee.
Who sets class codes in Indiana?
Indiana's own rating bureau, the Indiana Compensation Rating Bureau (ICRB). NCCI's codes, with codes specific to Indiana. An advisor confirms your class codes.
Is Worklio Insurance licensed in Indiana?
Worklio Insurance Services LLC's producer is licensed in Indiana, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of October 5, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in IndianaEmployer payroll tax rates, on Worklio HCM.

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