The Hartford is the best general liability insurance provider in Indiana, delivering affordable rates and quality service. NEXT and Nationwide also rank highly for customer satisfaction.
General Liability Insurance in Indiana
The Hartford tops our rankings for general liability coverage in Indiana with a score of 4.57 out of 5.
Explore low-cost general liability insurance in Indiana below.
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Updated: September 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Nationwide are the leading general liability insurance providers across Indiana.
Your ideal general liability provider in Indiana depends on your specific business type, operational scale and financial parameters.
A thorough comparison of insurance quotes, provider stability ratings and customer feedback helps secure reliable coverage for your Indiana business.
Best General Liability Insurance Companies in Indiana
| The Hartford | 4.57 | $80 |
| NEXT | 4.56 | $100 |
| Nationwide | 4.54 | $95 |
| Simply Business | 4.49 | $93 |
| Coverdash | 4.39 | $101 |
| Thimble | 4.35 | $105 |
| biBerk | 4.31 | $111 |
| Progressive Commercial | 4.29 | $98 |
| Chubb | 4.28 | $116 |
| Hiscox | 4.20 | $111 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage represents just one piece of comprehensive business protection in Indiana. Explore these additional resources for complete coverage:
Best Indiana Small Business Insurance Reviews
We analyzed Indiana's leading general liability insurance providers to help small business owners understand which companies offer the strongest coverage options and competitive rates for local businesses needing general liability coverage.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$80Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$100Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Indiana
The Hartford offers the most affordable general liability insurance in Indiana, with coverage starting at $80 monthly ($957 annually). Simply Business and Nationwide also provide competitive rates.
| The Hartford | $80 | $957 |
| Simply Business | $93 | $1,120 |
| Nationwide | $95 | $1,135 |
| Progressive Commercial | $98 | $1,171 |
| NEXT | $101 | $1,206 |
| Coverdash | $101 | $1,210 |
| Thimble | $105 | $1,255 |
| Hiscox | $111 | $1,335 |
| biBerk | $111 | $1,336 |
| Chubb | $116 | $1,391 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Indiana
Business owners in Indiana pay an average $101 monthly or $1,203 annually for general liability insurance, which aligns closely with national rates. Your actual premium depends on several factors including industry type, business size, and claims history. Construction companies typically face higher premiums due to increased risk exposure, while consulting firms often secure more affordable rates given their lower risk profile.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary dramatically across industries in Indiana. Pressure washing businesses face the steepest monthly premiums at $897, while drone operators enjoy the most affordable rates at just $16 per month. The table below shows how premiums differ across various business types throughout the state.
| Accountants | $22 | $259 |
| Ad Agency | $35 | $416 |
| Automotive | $52 | $627 |
| Auto Repair | $149 | $1,787 |
| Bakery | $89 | $1,062 |
| Barber | $43 | $521 |
| Beauty Salon | $65 | $786 |
| Bounce House | $69 | $826 |
| Candle | $54 | $646 |
| Cannabis | $66 | $788 |
| Catering | $86 | $1,031 |
| Cleaning | $130 | $1,558 |
| Coffee Shop | $88 | $1,055 |
| Computer Programming | $28 | $342 |
| Computer Repair | $47 | $560 |
| Construction | $172 | $2,062 |
| Consulting | $22 | $258 |
| Contractor | $250 | $2,997 |
| Courier | $192 | $2,298 |
| Daycare | $32 | $387 |
| Dental | $21 | $253 |
| DJ | $25 | $298 |
| Dog Grooming | $62 | $746 |
| Drone | $16 | $196 |
| Ecommerce | $72 | $861 |
| Electrical | $110 | $1,322 |
| Engineering | $39 | $469 |
| Excavation | $456 | $5,476 |
| Florist | $42 | $504 |
| Food | $106 | $1,266 |
| Food Truck | $139 | $1,667 |
| Funeral Home | $59 | $710 |
| Gardening | $110 | $1,322 |
| Handyman | $239 | $2,871 |
| Home-based | $23 | $279 |
| Home-based | $45 | $538 |
| Hospitality | $64 | $767 |
| HVAC | $240 | $2,885 |
| Janitorial | $134 | $1,613 |
| Jewelry | $39 | $474 |
| Junk Removal | $159 | $1,911 |
| Lawn/Landscaping | $118 | $1,414 |
| Lawyers | $22 | $268 |
| Manufacturing | $63 | $752 |
| Marine | $27 | $330 |
| Massage | $94 | $1,127 |
| Mortgage Broker | $22 | $269 |
| Moving | $122 | $1,459 |
| Nonprofit | $35 | $422 |
| Painting | $141 | $1,691 |
| Party Rental | $78 | $935 |
| Personal Training | $23 | $281 |
| Pest Control | $32 | $379 |
| Pet | $55 | $659 |
| Pharmacy | $61 | $727 |
| Photography | $24 | $284 |
| Physical Therapy | $108 | $1,297 |
| Plumbing | $354 | $4,252 |
| Pressure Washing | $897 | $10,766 |
| Real Estate | $52 | $625 |
| Restaurant | $142 | $1,705 |
| Retail | $64 | $769 |
| Roofing | $380 | $4,563 |
| Security | $136 | $1,636 |
| Snack Bars | $115 | $1,381 |
| Software | $26 | $310 |
| Spa/Wellness | $105 | $1,255 |
| Speech Therapist | $31 | $367 |
| Startup | $28 | $337 |
| Tech/IT | $26 | $311 |
| Transportation | $37 | $442 |
| Travel | $20 | $245 |
| Tree Service | $127 | $1,526 |
| Trucking | $101 | $1,207 |
| Tutoring | $30 | $356 |
| Veterinary | $44 | $527 |
| Wedding Planning | $27 | $326 |
| Welding | $162 | $1,939 |
| Wholesale | $44 | $526 |
| Window Cleaning | $156 | $1,873 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Indiana?
Indiana does not require most businesses to carry general liability insurance at the state level. Individual cities and counties can establish their own insurance rules.
Electricians
Indiana requires licensed electricians to maintain general liability insurance with limits of $300,000 per occurrence and $600,000 annual aggregate. Completed operations coverage must be included.
Electrical Sign Contractors
Licensed electrical sign contractors in Indiana must carry general liability insurance with the same requirements as electricians: $300,000 per occurrence and $600,000 annual aggregate, including completed operations coverage.
HVAC Contractors
Indiana HVAC licensing requirements vary by class, with Class A contractors needing $500,000 per occurrence and $1,000,000 annual aggregate coverage. Class B contractors must maintain lower minimums of $300,000 per occurrence and $600,000 annual aggregate.
Fire Safety Companies
Fire safety companies operating in Indiana must maintain general liability insurance with minimum limits of $1,000,000 per occurrence and $2,000,000 annual aggregate to obtain and maintain their required registration.
While general liability insurance might not be mandatory for your business license, you'll likely need it anyway. Most commercial property owners won't lease space without seeing current businesses insurance coverage in Indiana, and bigger clients typically demand insurance certificates before starting any project. Government contracts almost always include insurance requirements. Make sure your policy limits satisfy both licensing standards and client expectations.
How to Choose the Best General Liability Insurance in Indiana
Shopping for general liability insurance in Indiana starts with two key decisions: determining what protection your business actually needs and finding affordable coverage that fits your budget.
- 1
Figure out coverage needs
Start by checking if your industry has specific licensing requirements in Indiana. Many clients require $1 million in coverage for contracts.
- 2
Prepare business information
Gather details like annual revenue, employee count and business type before requesting quotes.
- 3
Compare multiple quotes
Ask for quotes from at least three different insurers since small business insurance costs varies.
- 4
Review policy terms
Look beyond cheap business insurance rates to understand what's actually covered and excluded. Some policies include legal defense expenses above your coverage limit, while others don't include this.
- 5
Research insurer credentials
Use the state insurance department website to verify your insurer and agent licenses. Check AM Best financial ratings and customer complaint records.
- 6
Ask about discounts
Ask insurers about potential savings opportunities like bundling multiple different business insurance types, implementing workplace safety programs or maintaining a clean claims history.
- 7
Obtain certificate of insurance
Request your certificate of insurance once you purchase coverage.
How to Prevent General Liability Claims in Indiana
Even with comprehensive business insurance, no business owner wants to handle liability claims. Indiana companies can prevent most issues through smart preparation and proactive planning.
Watch out for property hazards
Indiana weather, such as tornadoes, flooding and winter storms can mean hazards. Fix that cracked sidewalk before someone trips, and clear walkways after bad weather. Good lighting in your parking lot is also important.
Train your people well
Your team's mistakes become your problems. That new server needs to know how hot plates work. Your contractor should understand proper ladder safety. Spend time on training now, or spend money on lawyers later.
Keep good records
Photos save lawsuits. Document your work, save your communications and keep your contracts organized. Paper trails matter in court.
Get everything in writing
Confusion about where you're supposed to work leads to property damage claims. Put work locations, access routes and off-limits areas in writing.
Fix problems fast
Upset customers sue; happy customers don't. When something goes wrong, address it immediately. Most people want their problems solved, so give them that, and you'll avoid court.
General Liability Insurance in Indiana: Bottom Line
Securing quality general liability insurance in Indiana requires matching coverage to your specific business needs and evaluating top providers. The Hartford, NEXT and Nationwide lead the market for Indiana businesses, but your ideal choice depends on your industry type, company size and available budget.
Commercial General Liability Insurance in Indiana: FAQ
Our research and analysis helped us answer the most common general liability insurance questions business owners ask about coverage in Indiana.
What does general liability insurance cover for Indiana businesses?
General liability insurance for Indiana businesses covers customer injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Indiana?
General liability insurance costs for Indiana small businesses range from $80 to $116 monthly. The Hartford provides the most affordable coverage at $80 per month, while Simply Business and Nationwide offer competitive alternatives at $93 and $95.
Do Indiana businesses legally need general liability insurance?
Indiana does not legally require general liability insurance for most businesses. However, municipalities may impose their own requirements, and certain licensed professionals like contractors and electricians must maintain coverage to preserve their licenses.
Which company offers the best general liability insurance in Indiana?
The Hartford offers the best general liability insurance in Indiana, ranking first overall with exceptional financial stability and competitive rates averaging $80 monthly.
What coverage limits should Indiana businesses choose?
Indiana businesses should first verify any industry licensing requirements that mandate specific coverage amounts. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How can Indiana businesses prevent general liability claims?
Indiana businesses reduce general liability claims by promptly addressing property hazards s and holding employee safety training programs.
Can Indiana businesses get discounts on general liability insurance?
Yes, Indiana businesses can get reduced rates for bundling general liability with property or other commercial coverages. Businesses with strong safety programs, completed training certifications or claims-free histories often qualify for additional savings.
How quickly can Indiana businesses get general liability coverage?
Indiana businesses can obtain general liability coverage within hours or even minutes through digital platforms.
What should Indiana businesses do when filing a general liability claim?
Contact your insurer immediately after any incident that could result in a claim. Document everything thoroughly.
How does general liability differ from professional liability coverage?
Covered claims differentiate general liability vs. professional liability insurance.
General liability insurance protects against physical incidents like customer injuries or property damage during business operations. Professional liability covers errors in services provided, such as mistakes that cause client financial losses.
How We Scored the Best General Liability Insurance Companies in Indiana
Indiana businesses encounter specific liability challenges, including weather-related incidents and workplace accidents across diverse industries. Our evaluation process identified general liability insurers that deliver solid coverage while staying within reach for small business budgets.
What We Evaluated
- Affordability (50%): Cost concerns dominate small business decisions in Indiana. We analyzed pricing structures across carriers because reasonable rates determine whether businesses can actually maintain coverage.
- Customer experience (30%): Quality service becomes critical when claims arise. We examined J.D. Power ratings, state complaint data, and independent agency feedback to assess how insurers treat policyholders during stressful situations.
- Coverage options (15%): Indiana businesses span many sectors with varying exposure levels. We evaluated how effectively insurers customize general liability policies for different industries, from manufacturing to retail operations.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial stability reports to confirm each company's ability to honor policy obligations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
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- NEXT. "Customer Reviews | NEXT." Accessed September 30, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 30, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 30, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 30, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 30, 2025.