Indianacontractor insurance & bonding requirements
Updated April 2026 · Source: Local AHJ (Indianapolis DBNS, Fort Wayne, etc.)
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Indianacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
IN has no state GC license. Bonds + insurance set by municipality.
Common questions
What insurance does a Indiana general contractor need?
A Indiana general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per Local AHJ (Indianapolis DBNS, Fort Wayne, etc.).
How much is the surety bond for Indiana contractors?
Indiana does not require a state-level surety bond for general contractors. IN has no state GC license. Bonds + insurance set by municipality.
Who is the licensing authority in Indiana?
Local AHJ (Indianapolis DBNS, Fort Wayne, etc.) is the authority for Indiana contractor oversight. Public license lookup is available at https://www.indy.gov/agency/department-of-business-and-neighborhood-services.
How does AskBaily verify contractors in Indiana?
Local AHJ (Indianapolis DBNS, Fort Wayne, etc.) does not expose machine-readable lookup. AskBaily ops manually verifies Indiana applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Indiana can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Local AHJ (Indianapolis DBNS, Fort Wayne, etc.). That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Indiana
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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