Cheap General Liability Insurance in Indiana

The Hartford, NEXT, and biBERK offer some of the most affordable general liability insurance for small businesses, with rates starting as low as $5 per month, though your actual cost depends on your industry, business size, and location in Indiana.

We analyzed estimates across over 400 industries in Indiana, as well as their surrounding market conditions to identify insurers that most often come out lowest-cost for small businesses seeking general liability coverage.

Select your industry

Select state

Cheap General Liability Insurance in Indiana

Written by Angelique Palenzuela-Cruz

Updated: February 12, 2026

Advertising & Editorial Disclosure

Cheapest Indiana General Liability Insurance Companies

Based on our analysis of 408 industries in Indiana, these are the three cheapest general liability insurance providers in the state:

The Hartford: Cheapest for professional services and creative businesses (management, IT, photography, videography)
ERGO NEXT: Most affordable for trades and customer-facing operations (roofing, painting, barber shops, tattoo shops)
biBERK: Cheapest for healthcare and fitness businesses (chiropractors, physical therapy, yoga studios, CrossFit gyms)

>> [Click Each Provider To Learn More]

Rates vary based on your specific industry, revenue, employee count and claims history in Indiana, so use these providers as a starting point for comparing quotes tailored to your business.


The Hartford	$88	$1,053	17%
ERGO NEXT	$93	$1,112	13%
biBERK	$97	$1,168	8%
Thimble	$98	$1,177	7%
Simply Business	$103	$1,238	3%
Coverdash	$110	$1,319	-4%
Progressive Commercial	$112	$1,345	-6%
Hiscox	$119	$1,425	-12%
Nationwide	$119	$1,433	-13%
Chubb	$121	$1,447	-14%

How We Determined The Cheapest General Liability Insurance Providers

These estimated rates reflect businesses, from Indianapolis food trucks and Fort Wayne manufacturing shops to Bloomington consulting firms and Evansville construction contractors, with one to four employees carrying standard $1 million per occurrence / $2 million aggregate coverage, averaged across 408 Indiana industries.

CHEAPEST GENERAL LIABILITY INSURANCE IN INDIANA DOESN'T MEAN BEST FIT

The lowest-priced general liability policy won't necessarily serve your Indiana business best. A South Bend event planner faces different liability risks than a Carmel HVAC contractor or a Fishers software consultant because your specific exposure drives what coverage actually protects you, not just what costs least.

Review what each policy actually covers, what it excludes, and how insurers handle claims in your industry before deciding based on price alone. Our guide to the best general liability insurance companies in Indiana provides a detailed breakdown of coverage quality and customer service for the top providers in Indiana.

The Hartford: Cheapest General Liability Insurance For Professional and Creative Businesses

*on The Hartford

COMPANY HIGHLIGHTS

The Hartford ranks cheapest for seven out of 25 general industries in Indiana, and is most often the low-cost option for professional services (consulting, financial services), creative businesses (photography, videography, arts), healthcare providers and education services. Small businesses in these sectors save around 13% with The Hartford, paying $88 per month for general liability coverage.

Most often cheapest for these business profiles:

General industries most often cheapest for: Arts, media & entertainment, consulting services, education, financial services, healthcare & medical, marketing & communications, retail & product rental
Employee counts most often cheapest for: 0–49 employees

Not a Fit? Jump To: ERGO NEXT or biBERK

ERGO NEXT: Cheapest General Liability Insurance For Trades and Customer-Facing Businesses

COMPANY HIGHLIGHTS

At $93 monthly ($1,112 annually), general liability insurance from ERGO NEXT falls 13% below Indiana's average. Manufacturing businesses, such as screen printing, soap making, woodworking and cabinet making see the biggest savings as their monthly premiums are 40% lower than the average.

Most often cheapest for these business profiles:

General industries most often cheapest for: Beauty, body & wellness services, childcare services, construction & contracting, food & beverage, hospitality, travel & tourism, manufacturing, pet care services, repair & maintenance, transportation & logistics, wholesale & distribution

Not a Fit? Jump To: The Hartford or biBERK

biBERK: Cheapest General Liability Insurance For Healthcare and Fitness Businesses

COMPANY HIGHLIGHTS

Healthcare providers and fitness businesses see the strongest savings with biBERK, especially anesthesiologists, oral surgeons, psychiatrists and chiropractic offices that pay around 30% less than average monthly rates. biBERK ranks cheapest for five out of 25 general industries in Indiana at $97 monthly, giving most small businesses 10% savings compared to the state average.

Most often cheapest for these business profiles:

General industries most often cheapest for: Cleaning services, fitness services, other professional services, real estate & property services, recreation & sports

Not a Fit? Jump To: The Hartford or ERGO NEXT

Explore The Cheapest General Liability Insurance in Indiana by Industry

General liability insurance costs depend heavily on your Indiana business operations and claim risks. Manufacturing operations in Hammond deal with equipment injuries, while Indianapolis marketing agencies worry about missed deadlines causing client losses. Browse the industry breakdowns below to find which insurers price your specific risk profile lowest.

Cheapest General Liability Insurance For Cleaning Businesses

Cheapest General Liability Insurance For Consultants

Cheapest General Liability Insurance For Contractors

Cheapest General Liability Insurance For Food Businesses

Cheapest General Liability Insurance For Pet Care Businesses

Cheapest General Liability Insurance For Real Estate Businesses

Is The Cheapest General Liability Insurance Right For Your Indiana Business?

It only makes sense to get the policy with the lowest premium if it really covers the risks your Indiana business has. A Terre Haute welding shop with equipment on job sites faces different liability exposures than a Noblesville graphic design studio working from home. Before you choose based on price alone, verify these four factors align with your operations:

Policy limits that protect against your biggest risks and meet what clients require in contracts
A deductible that won't drain your operating budget when you file your first claim
Access to additional coverages that fit your budget as your business grows
Responsive claims handling and support, not just low prices during the sales process

Don't sacrifice protection for savings. Indiana businesses, whether you're running a Bloomington catering company or managing a Muncie auto repair shop, need coverage that scales with actual risk. If you're tight on cash, start with contract-required minimums, then increase your limits as your business grows and revenue gives you room to get more financial protection.

For an in-depth understanding of this coverage type: General liability insurance guide

Is The Cheapest Right For Your Business?

Yes: Get matched to cheapest providers
No: How to get cheaper coverage without sacrificing protection

How To Get Cheaper General Liability Insurance in Indiana Without Sacrificing Protection

Indiana businesses can cut general liability costs while keeping solid coverage. These strategies help you find your lowest rate without compromising protection:

Compare general liability quotes using the same limits (apples-to-apples)

Comparing a $1 million policy from one insurer against a $2 million policy from another won't tell you who prices your risk lower. Coverage amounts drive premiums more than carrier choice, so you need identical limits across every quote to see real price differences.

Request the same per-occurrence limit, aggregate limit and deductible from each Indiana insurer you're evaluating. A South Bend plumbing contractor comparing three quotes should ask all three carriers for the same $1 million/$2 million structure. Without matching coverage parameters, you're just guessing which insurer actually saves you money versus which one quoted less protection.

Ensure your business classification (class code) is correct

Insurers price your business based on classification codes that define your actual work and risk exposure. Get coded incorrectly—even by one category—and you're paying premiums calculated for work you don't do. A Terre Haute HVAC installer mistakenly coded as general contractor pays roughly 25% more monthly because the insurer assumes broader liability exposure.

Review your policy's business description right now. Does it match what you actually sell or provide? If your classification is wrong, contact your Indiana insurer to correct it. Premiums typically drop 20% to 30% once you're coded correctly.

Only pay for general liability coverage limits you actually need

Base your limits on three factors: what client contracts require, what damage your operations could realistically cause and your annual revenue. Buying maximum coverage limits because they're available drains your budget without reducing risk.

A Fort Wayne lawn care company with residential accounts and $80,000 revenue doesn't need the same $5 million policy that a Gary manufacturing supplier uses to meet industrial client requirements. Buy enough coverage to satisfy your largest contracts and protect against your actual exposure, not the highest limits your insurer offers. You can always increase coverage when you land bigger contracts or expand into higher-risk work.

Use general liability deductibles and payments strategically

Higher deductibles lower premiums but you need accessible cash when claims happen. A Kokomo consulting firm with $15,000 in reserves can handle a $2,500 deductible easily, but a startup Michigan City food truck with tight margins can't afford that hit mid-summer. Choose deductibles you can pay without borrowing or missing payroll.

Paying annually instead of monthly saves 5% to 8% with most Indiana insurers, but only if it doesn't empty your cash reserves. A Richmond contractor needs working capital for materials, and a Greenfield retail shop can't drain funds right before holiday inventory season. If annual payment creates cash flow problems, monthly installments cost slightly more but keep your business operations stable.

Bundle general liability insurance when it lowers your total cost

Bundling multiple policies with one Indiana insurer can save 10% to 25%, but only if you're not overpaying on individual coverage types within the package. A Fishers retail shop might save $400 annually bundling general liability and property insurance through a Business Owner's Policy (BOP), while a Muncie plumbing contractor pays less buying general liability from one insurer and workers' comp from a trade-focused carrier. Always compare bundled pricing against buying each policy separately to find your actual lowest cost.

Lower your claim risk in ways Indiana insurers reward

Insurers price your business partly on preventable claim patterns they see in your industry and region. If you can show that you're actively managed the risks most common to your operations through documentation, training or physical improvements, carriers typically reduce premiums 10% to 20%. What trigger discounts align with what typically cause claims in Indiana:

Document winter property maintenance and ice management: Slip-and-fall claims from icy parking lots and walkways are common in Indiana's November-to-March freeze-thaw cycles. Keep dated logs of salting and snow removal.
Maintain updated severe weather emergency procedures: Indiana averages 20+ tornadoes annually. Businesses with documented shelter plans, employee drills and communication protocols reduce injury liability when severe weather hits.
Require safety certifications for equipment operators: Manufacturing and warehouse operations dominate Indiana's economy. Documented forklift, crane or machinery training reduces workplace injury claims that drive general liability and workers' comp costs.
Install commercial security systems in high-theft areas: Indianapolis, Fort Wayne and Evansville see elevated property crime. Monitored alarms, cameras and documented security protocols lower theft and vandalism claim frequency.

Affordable General Liability Insurance in Indiana: Bottom Line

The insurer pricing a Fort Wayne metal fabrication shop lowest won't necessarily win for a Bloomington event venue or a Lafayette home inspection service since different risk profiles mean different competitive advantages. Where you operate, what services you provide and how large your business is all shift which carrier offers your best rate.

Use these rankings to narrow your search for insurers that consistently price your industry competitively in Indiana and compare quotes from multiple carriers using identical coverage limits. The goal is adequate coverage at the best available price, not overpaying for identical protection or buying insufficient limits just to save money.

If you're ready to get quotes: Get matched

Cheapest General Liability Insurance in Indiana Chart

Cheap General Liability Insurance in Indiana: Next Steps

Your lowest rate comes from comparing actual quotes, not rankings alone. A Mishawaka auto body shop and an Anderson consulting firm both need $1 million in coverage, but insurers price them differently based on claim patterns in each industry. Get quotes using identical limits from the three cheapest carriers for your business type because that's where pricing gaps show up clearly.

If you need additional context, we've gathered resources on general liability insurance for small businesses in Indiana.

If you want to ensure general liability is right for you

If you want to compare general liability to other coverage types

Get Matched To The Cheapest General Liability Insurer in Indiana

Select your industry and state to get a customized quote from the most affordable CO general liability insurance provider for you.

Industry

State

How We Determined The Cheapest General Liability Insurance Providers in Indiana

To identify the cheapest general liability insurers for Indiana businesses, we analyzed real pricing data from 10 major providers and modeled a large set of standardized pricing estimates across common small business profiles in Indiana.

Dataset scope and assumptions

Providers analyzed: 10 major insurance providers
Industries covered: 408 industries
Employee count bands: 0, 1–4, 5–9, 10–19 and 20–49 employees
Policy baseline: standard $1 million per occurrence / $2 million aggregate general liability policy
Pricing estimates modeled: just over 20,000 total estimates

We also incorporated modeled average revenues and payrolls across Indiana business profiles to improve pricing accuracy.

How we determined which provider was "cheapest"

We used this dataset to determine which insurers were most often the lowest-cost option across different Indiana business profiles. Our "cheapest" rankings include both:

General Recommendation: Provider rankings based on average estimated pricing for a standardized 1–4 employee business profile across all industries in Indiana.
Factor Combination Recommendations: Provider rankings based on which insurer was most often cheapest within specific business factor combinations. For example:
- Industry × Indiana pricing was compared using a standardized 1–4 employee profile
- Employee count affordability was derived by comparing aggregated pricing trends across industries in Indiana

Important note: These results represent standardized pricing estimates, not personalized quotes. Actual pricing can vary based on your Indiana business classification, revenue/payroll, claims history and the specific limits, deductibles and endorsements you choose. For the most accurate cheapest-provider answer, we recommend comparing quotes apples-to-apples using the same coverage limits.

Back to cheapest companies
Get matched
Next Steps

About Angelique Palenzuela-Cruz

Angelique Palenzuela-Cruz is a Content Writer at MoneyGeek specializing in business insurance. She focuses on general liability, workers' compensation and professional liability coverage, helping small business owners cut through policy jargon and understand what they're actually buying.

Angelique has spent over five years reporting on personal finance, with deep experience in both insurance and lending markets. Her psychology background also gives her a unique understanding of how people actually process difficult financial decisions, allowing her to meet readers where they are, simplify complex concepts and build decision making frameworks that give them confidence. Whether you're learning about policies, comparing providers or trying to figure out requirements, Angelique does the legwork, digging into regulations, analyzing policy language and testing her explanations against agent-level standards so you get straight answers without fluff.

Read Full Bio »