General Contractor Insurance Indiana

Coverage Overview

What's Typically Covered

• General Liability — third-party injury and property damage
• Completed Operations — defect and damage claims after project completion
• Workers Compensation — required for Indiana employers
• Commercial Auto for contractor vehicles and equipment haulers
• Builder's Risk — coverage during construction projects
• Tools and Equipment / Inland Marine
• Subcontractor Default Insurance (SDI)
• Commercial Umbrella / Excess Liability

General Contractor Insurance in Indiana

Indiana general contractors face a complex insurance landscape — managing their own exposure while also verifying that subcontractors carry adequate insurance. The Indianapolis metro area's active construction market means GCs must have their insurance in order to bid competitively on commercial and residential projects.

Business Insurance Brokers LLC is licensed in Indiana and writes general contractor insurance programs that cover your core GL and workers comp while also including the additional insured endorsements and waiver of subrogation language that project owners typically require.

Indiana GC Insurance Requirements

Indiana does not have a state-level general contractor license, but many municipalities have local licensing requirements — particularly Indianapolis, Fort Wayne, and South Bend. Public projects in Indiana typically require GCs to carry both a performance bond and a payment bond.

Most commercial project contracts in Indiana require minimum GL limits of $1M per occurrence / $2M aggregate, along with auto, workers comp, and umbrella coverage at specified limits. We structure your program to meet these contractual requirements and send certificates promptly when you need them for project bids.