General Liability Insurance Indiana

Save with discounts of up to 25%.*

What can be covered by General Liability insurance in Indiana?

Non-employee injuries

Non-employee injuries

Someone trips at your business and breaks their leg.
Property damage

Property damage

You accidentally damage a client’s property.
Advertising harm

Advertising harm

You’re sued for an improper image in your advertising.
Legal defense costs

Legal defense costs

You need an attorney for a lawsuit, even though you did nothing wrong.

Table of Contents

What is General Liability insurance coverage?

Indiana is home to more than a half million small businesses that employ 1.2 million workers.1 All of these companies at the Crossroads of America could use a financial safety net to help keep them running after unforeseen accidents.

That’s why many small companies and self-employed workers in the state of Indiana purchase general liability insurance.

Also known as commercial general liability, this kind of small business insurance can help pay expenses if someone (other than an employee) claims that your company caused bodily injury, property damage, advertising injury or reputational harm.

In these situations, general liability coverage can assist with medical bills and the cost to repair or replace destroyed items. It can also help pay for an attorney to defend your business if you’re sued.

Does Indiana require General Liability insurance?

While Indiana does not mandate most businesses to carry general liability insurance, many small companies and sole proprietors know it can help protect them from out-of-pocket costs when things go wrong.

From general contractors in Bloomington to cleaning services in Elkhart and restaurants in Hammond, here’s what a general liability policy can help provide:

Licenses and permits

Some Indiana municipalities require certain trades to obtain proof of insurance to get a professional license. General liability insurance may be required to be licensed as a general contractor.

Financial safety

Indiana general liability insurance can help keep your business afloat after an accident. If you’re accused of causing personal injury, damaging someone’s property or if you have to defend your business in a lawsuit, it can help pay unexpected expenses.

Business opportunities

When you have commercial liability coverage in Indiana it demonstrates your professionalism. Some clients may ask for proof of insurance before they’ll let you bid on a project or hire you for a job.

Leasing property

A general liability policy can help you rent an office or commercial space. Many landlords require a certificate of insurance before they’ll rent to you.

What small business might need General Liability insurance in Indiana?

Some local governments require certain general contractors and trades to carry general liability insurance. Indianapolis2, Fort Wayne 3 and Evansville4 have such regulations. Be sure to check your municipality’s rules.

But slip-and-fall injuries and accidental property damage can be common in any line of work. Most businesses, from caterers in Kokomo to pressure washers in South Bend, will want to consider the help to cover costs after accidents and lawsuits around personal injury and property damage that general liability coverage can provide.

How much does a General Liability insurance policy cost in Indiana?

The majority of NEXT commercial general liability customers pay $25 to $45 a month.** Insurance carriers consider the following when pricing policies:

  • Where your business is located
  • The kind of work you do
  • How many workers you employ
  • Your past insurance claims

To know for certain how much you’ll pay, get a free general liability insurance quote from NEXT. It takes less than 10 minutes, and you’ll be able to purchase your policy online for immediate coverage.

You can also use our liability insurance calculator for a general estimate of insurance costs in Indiana.

How NEXT helps Indiana small business owners

Get a free quote online. If you like what you see you can purchase coverage and instantly share a certificate of insurance. It usually takes less than 10 minutes.

You can also chat with our Indiana–based NEXT licensed agents if you need help or have questions.

Get Instant Quote

Other business insurance policies important for Indiana small business owners

You may want to further protect your company with additional insurance coverage.
Workers Compensation
Workers’ Compensation insurance

Indiana requires most businesses with one or more employees to carry workers’ comp insurance.5 This coverage can help pay medical expenses, rehabilitation costs and lost wages if employees are hurt on the job.

Commercial Auto
Commercial Auto insurance

Indiana law mandates that all drivers in the state have insurance. If your business involves vehicles you’ll need commercial auto insurance.6 Keep in mind that personal auto policies won’t cover accidents when you’re driving for business.

Commercial Property
Commercial Property insurance

Commercial property insurance can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents. It can help protect your physical assets including inventory, equipment and buildings.

Errors & Omissions
Professional Liability (E&O) insurance

Professional liability insurance in Indiana, also called errors and omissions insurance, can help provide financial protection if someone claims you made a professional mistake that caused them financial loss. It can also help cover damages and legal fees if you’re sued.


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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
**The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.