Refractory Contractor insurance requirements in Indiana

Performs refractory contractor work on residential or commercial projects, usually as a subcontractor to a general contractor or directly for a property owner. Below: what Indiana statute requires, what your clients will demand on a certificate of insurance, and a modelled annual cost of $4,350–$21,400.

The short answer

A refractory contractor in Indiana normally needs 3 policies, costing about $8,800 a year.

  • 01
    Workers' Compensation

    Required by law.

  • 02
    Commercial Auto Liability

    Required by law.

  • 03
    General Liability

    Clients will not let you start without it.

3 more coverages may apply depending on your contracts — the full breakdown, limits and reasoning are below. Cost is a modelled range of $4,350–$21,400, not a quote.

Step 1 of 4

What you are actually required to carry

Workers' compensation in Indiana

Yes — Indiana requires workers' compensation at 1 employee, and you are above that threshold.

Statutory threshold on file: 1 employee · Indiana Professional Licensing Agency · statutory citation and enforcement detail below

  1. Workers' Compensation

    Required by law

    Medical care and lost wages for employees injured on the job.

    Typical limits
    $100,000 – $1M

    Triggered by your state's employee threshold. Employers liability (Part B) limits are what contracts actually specify.

    • Coverage required from the first employee.
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  2. Commercial Auto Liability

    Required by law

    Liability for vehicles owned or used by the business.

    Typical limits
    $1M

    Any vehicle titled to the business or used primarily for business needs a commercial auto policy; a personal auto policy will deny a business-use claim. Contracts standardly require a $1M combined single limit.

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  3. General Liability

    Required by contract

    Third-party bodily injury and property damage arising from your operations.

    Typical limits
    $1M – $2M

    No state requires general liability by statute, but essentially every client contract, lease and job-site agreement demands $1M per occurrence / $2M aggregate. Treat it as mandatory in practice.

    • Job-site work means you will be asked for additional insured (CG 20 10 / CG 20 37), primary and non-contributory wording, and a waiver of subrogation.
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  4. Commercial Umbrella / Excess

    Required by contract

    Extra limit sitting above GL, auto and employers liability.

    Typical limits
    $1M – $5M

    General contractors and enterprise clients routinely require $2M–$5M of excess limit above the primary policies before they will let you on site.

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  5. Tools & Equipment (Inland Marine)

    Strongly recommended

    Your own tools and portable equipment, on site or in transit.

    Typical limits
    $10,000 – $50,000

    General liability covers other people's property, never your own. Portable tools and equipment in vehicles or on site need an inland marine schedule.

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  6. Installation Floater

    Situational

    Materials you have purchased but not yet installed at a job site.

    Typical limits
    $25,000 – $150,000

    Materials you have bought but not yet installed belong to you until acceptance. Builder's risk covers the structure, not your staged materials.

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The law behind this in Indiana

Ind. Code § 22-3-2-5

Who it reaches
Coverage required from the first employee; independent contractors must file a clearance certificate.
If you go without it
Operating without required coverage exposes the business to stop-work orders, civil penalties assessed per employee per day, personal liability for the full cost of an injured worker's medical care and lost wages, and loss of the statutory defenses that normally cap an employer's exposure. Indiana Workers' Compensation Board administers enforcement.
Vehicle liability minimums
25/50/25; commercial contracts typically demand $1M CSL
Sources

Citation last checked 2026-07-30. Re-verified on a 180-day cycle. General information, not legal advice.

Step 2 of 4

What this is likely to cost

Low
$4,350/yr

Clean history, minimum limits

Median
$8,800/yr

Typical for your profile

High
$21,400/yr

Prior claims, higher limits, added endorsements

  • Refractory Contractor is rated high hazard; this drives the general liability base rate more than any other single factor.
  • Workers' compensation is the largest line item at your headcount — published benchmarks for construction run around $3,100 per covered employee before state adjustment.
  • Job-site work adds an umbrella requirement, which typically adds $600–$2,500 annually.
  • Indiana prices commercial risk at an index of 66 against a national median of 100, so identical operations cost 34% less here.
  • Claims history, years in business and prior coverage continuity move the final number more than limit selection does.
Line-by-line, from observed data
CoverageObserved range /yr
Workers' Compensation
$2,150–$11,950
median $4,750
Commercial Auto Liability
$900–$3,450
median $1,600
General Liability
$700–$3,200
median $1,250
Commercial Umbrella / Excess
$450–$2,150
median $900
Tools & Equipment (Inland Marine)
$150–$650
median $300
Installation Floater
Not counted in the budget above
$150–$700
median $300
Where these cost figures come from

Indiana cost index 66 (national median = 100). Benchmarks are re-verified on a 180-day cycle.

These are observed market ranges for businesses like yours, adjusted for Indiana — not a quote. Your own price depends on claims history, payroll and limits.

Get this schedule quoted

Take these exact limits to a carrier

These are the providers that actually write refractory contractor risks in Indiana. Bring the limits above with you — quoting the wrong limits is the single most common reason a certificate gets rejected.

CoverWalletBroker marketplace — compares several carriers at once. Useful when your contract demands limits the direct writers will not issue.Next InsuranceOnline quote in about 10 minutes, instant certificate download. Strongest for solo operators and crews under five.Pie InsuranceWorkers' compensation specialist. Usually the cheapest path once you have W-2 employees in a competitive state.biBERKBerkshire Hathaway direct. Low prices on commercial auto and property for established businesses.

Advertising disclosure: we earn a commission if you buy a policy through these links. It costs you nothing extra, and it never changes the coverage schedule above — requirements are derived from statute and contract language, not from who pays us.

Step 3 of 4

The certificate you will be asked to produce

Certificate of Liability Insurance
Producer
Your agency of record
Insured
Refractory Contractor LLC
Indiana
Coverages
Commercial General Liability$1M occ / $2M agg
Automobile Liability$1M combined single limit
Workers Compensation & Employers LiabilityStatutory / $1M E.L.
Umbrella / Excess Liability$5M each occurrence
Description of operations / special provisions

Certificate holder is named as additional insured on a primary and non-contributory basis per written contract. Waiver of subrogation applies.

Certificate holder
The client, landlord or general contractor requesting proof
  • Producer

    Your agent or broker. Whoever issues the certificate — you never write it yourself.

  • Insured

    Your exact legal entity name. If it does not match the name on the contract, the certificate gets rejected.

  • Certificate holder

    The party asking for proof. Being listed here gives them notice, nothing more.

  • Additional insured

    The box that actually matters. This extends your policy to defend them. It requires an endorsement, not a checkbox.

Contract language collected for your exposures
General contractor (subcontract exhibit)

"Subcontractor shall name Contractor, Owner and their agents as additional insureds on a primary and non-contributory basis, including ongoing and completed operations, with a waiver of subrogation in favor of all additional insureds."

$1M occurrence / $2M aggregate GL, $1M auto, statutory WC with $1M employers liability, $2M umbrella

Enterprise client (master services agreement)

"Supplier shall maintain the coverages set forth herein for the term of this Agreement and for two (2) years thereafter, and shall provide certificates evidencing such coverage upon execution and annually upon renewal."

$1M/$2M GL, $1M professional liability, $1M cyber where data is processed

Step 4 of 4

What an agent will ask you

  • 01Annual gross receipts and residential vs. commercial split
  • 02Total cost of work you subcontract out each year
  • 03Height and type of structures you work on
  • 04Payroll by workers' comp class code
  • 05Do your contracts require additional insured and waiver of subrogation?
How a refractory contractor claim actually happens

A crew leaves a work area unsecured overnight. A third party is injured on site and the resulting bodily-injury and property-damage demand runs into the mid six figures, defended under your general liability policy with the general contractor tendered as an additional insured.

Get this schedule quoted

Take these exact limits to a carrier

These are the providers that actually write refractory contractor risks in Indiana. Bring the limits above with you — quoting the wrong limits is the single most common reason a certificate gets rejected.

CoverWalletBroker marketplace — compares several carriers at once. Useful when your contract demands limits the direct writers will not issue.Next InsuranceOnline quote in about 10 minutes, instant certificate download. Strongest for solo operators and crews under five.Pie InsuranceWorkers' compensation specialist. Usually the cheapest path once you have W-2 employees in a competitive state.biBERKBerkshire Hathaway direct. Low prices on commercial auto and property for established businesses.

Advertising disclosure: we earn a commission if you buy a policy through these links. It costs you nothing extra, and it never changes the coverage schedule above — requirements are derived from statute and contract language, not from who pays us.

Change the inputs

Your headcount and contracts move this schedule

This page assumes a small crew with job-site work, signed contracts and vehicles. Run the engine to change employees and exposures.

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Refractory Contractor insurance in other states

See all 51 states for refractory contractors

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