Indiana commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Indiana files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Indiana. This page summarizes the 39 active filings we track for Indiana across 1 line(s) of business and 39 classification(s).
How Workers' Comp rates are set in Indiana
Indiana runs a private Workers' Comp market. Rate filings are reviewed by the Indiana Department of Insurance. The governing authority is Indiana Code Title 27 (Insurance). You can confirm any Indiana carrier or agent is licensed with the state's license-lookup tool. We track 39 distinct classification(s) for Indiana across 39 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Indiana businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
Across the Indiana Workers Compensation filings we track, filed rates range from $0.06 to $3.02 per $100 of payroll, filed by 1 distinct carrier(s) or bureau(s). The lines we track are Workers Compensation. Classifications tracked include NCCI class codes 0005, 0042, 0106, 5022, 5183, 5190, 5223, 5403, 5437, 5462, 5474, 5535, 5551, 5606, 5645, 7219, 7230, 7231, 7370, 7380, 7382, 7705, 8279, 8380, 8385, 8392, 8742, 8748, 8810, 9014, 9015, 9058, 9082, 9083, 9101, 9402, 9403, 9586. The most-recent Indiana filing we track is effective January 2026. Every row below links to the filing it was taken from so the Indiana regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Indiana employees injured on the job — mandatory in Indiana once you have staff.
In Indiana, Commercial General Liability carriers earned about $1.5B in premiums at a 53.4% loss ratio and a 10.6% underwriting profit (NAIC 2023). In Indiana, Commercial Multiple Peril carriers earned about $1.1B in premiums at a 61.6% loss ratio and a -4.3% underwriting profit (NAIC 2023). In Indiana, Workers Compensation carriers earned about $872M in premiums at a 44.7% loss ratio and a 22.1% underwriting profit (NAIC 2023). In Indiana, Commercial Auto carriers earned about $823M in premiums at a 63.6% loss ratio and a 1.7% underwriting profit (NAIC 2023). In Indiana, Inland Marine carriers earned about $552M in premiums at a 40.2% loss ratio and a 17.6% underwriting profit (NAIC 2023). In Indiana, Commercial Property carriers earned about $458M in premiums at a 62.3% loss ratio and a 9.3% underwriting profit (NAIC 2023). In Indiana, Medical Professional Liability carriers earned about $171M in premiums at a 49.8% loss ratio and a 9.7% underwriting profit (NAIC 2023). In Indiana, Product Liability carriers earned about $123M in premiums at a 65.2% loss ratio and a -23.3% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Indiana, beyond the filed loss costs above.
- Indiana filed commercial rates we track run about $0.06 to $3.02 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Indiana rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual Indiana premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | IN | Voluntary -6.1% loss cost / -5.8% advisory rate / -5.8% AR | Jan 1, 2026 | Filing #ICRB-Circular-2025-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
| WC | IN | per $100 payroll (advisory loss cost) | Jan 1, 2025 | Filing #2024-08 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Who writes commercial coverage in Indiana
69 carrier groups have an active filing footprint across 119 lines of insurance in Indiana (30,801 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Nationwide, Berkley, AmTrust, CNA.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
Compare Indiana carriers →Get a real Indiana quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Indiana quote in under 90 seconds.
Get a free Indiana quote →Indiana filed rates by coverage
Coverage-specific Indiana rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Indiana cost pages
Indiana-specific cost guides for the verticals we cover:
Indiana insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Indiana — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →