Small Business Insurance in Indiana
Local Indy guidance—statewide support for entrepreneurs and growing teams
Whether you’re a contractor in Carmel, a boutique in Broad Ripple, or a startup in Fishers, AOG Group | Allstate builds protection around how your business actually runs. Our licensed team pairs friendly local service with smart policy design—so you can focus on customers, not coverage.
Who we insure
- Contractors & Trades: GC, remodeling, electrical, HVAC, plumbing, landscaping
- Retail & E-commerce: Boutiques, specialty shops, online sellers
- Food & Beverage: Cafés, food trucks, caterers, ghost kitchens
- Professional & Tech: Consultants, agencies, IT/MSP, creatives
- Personal Services & Wellness: Salons, spas, fitness studios
- Real Estate: Landlords, property managers, LRO
- Home-based & Mobile Businesses: From makers to mobile services
- Nonprofits & Community Orgs: Offices, events, volunteers
Tell us how you operate—storefront, office, jobsite, mobile, or hybrid—and we’ll tailor coverage accordingly.
Core coverages we’ll help you design
- Business Owners Policy (BOP): Bundles General Liability + Commercial Property and often Business Income (lost income after a covered claim).
- General Liability (GL): Helps protect against third-party bodily injury, property damage, and certain personal/advertising injury.
- Commercial Property: Buildings, tenant improvements, inventory, and equipment.
- Business Income: Helps replace lost income and pay ongoing expenses after a covered shutdown.
- Workers’ Compensation: Benefits for employees with work-related injuries/illnesses (state rules apply).
- Commercial Auto: Company-owned vehicles; add Hired & Non-Owned Auto if employees drive their cars for work.
- Professional Liability (E&O): For advice- or service-based work (consultants, agencies, IT).
- Cyber Liability & Data Breach: Helps with breach response, legal costs, and certain interruption losses after covered cyber events.
- Inland Marine / Tools & Equipment: Gear that travels between jobsites.
- Umbrella / Excess Liability: Extra limits over GL/Auto/Employers Liability for contracts or added protection.
- Employment Practices Liability (EPLI): Certain employee claims (e.g., wrongful termination, harassment).
- Crime/Fidelity & Bonds: Employee dishonesty, license/permit and performance bonds (availability varies).
Coverage, limits, deductibles, and availability vary by carrier and state. We’ll review details with you before you buy.
Industry-smart add-ons (examples)
- Contractors: Additional insureds, primary & non-contributory, waiver of subrogation, per-project aggregates, tools & equipment
- Retail/Restaurants: Spoilage, equipment breakdown, foodborne illness, seasonal inventory swing, liquor liability (where applicable)
- Professional/Tech: E&O, media liability, cyber with social engineering and data restoration
- Property Owners/Managers: Lessor’s risk only (LRO), ordinance or law, crime/fidelity
Certificates & contracts made easy
Need a Certificate of Insurance or to add an Additional Insured today? We turn around COIs fast and help you meet lease and job requirements (AI wording, primary/non-contributory, waivers) without the headache.
Smart ways to save (subject to qualification)
- BOP packaging vs. buying coverages separately
- Safety & risk controls (driver training, slip-and-fall prevention, cyber hygiene)
- Protective devices (monitored alarms, sprinklers—varies by carrier)
- Higher deductibles you’re comfortable with
- Account pricing when placing multiple policies together
Our simple process
- Discovery & quote: We learn how you operate, your contracts, revenue, payroll, vehicles, and equipment.
- Coverage design: Side-by-side options that meet requirements and budget—no guesswork.
- Bind & launch: Proof of insurance, endorsements, and COIs delivered fast.
- Proactive reviews: Adjust as you add locations, vehicles, staff, or new services.
Real-world scenarios we plan for
- Customer slip-and-fall at your shop → GL + risk-control guidance
- Kitchen hood failure damages equipment → Property + Business Income
- Employee strain injury on the job → Workers’ Comp
- Data breach exposes client info → Cyber response + notification costs
- Rear-end accident in a company vehicle → Commercial Auto + possible Umbrella
- Stolen tools from a jobsite → Inland Marine/Tools & Equipment
FAQs
Do I need a BOP or just General Liability?
If you have business property (inventory, equipment) or want Business Income, a BOP often provides better value than GL alone.
Do I need Workers’ Comp for 1099s?
Rules depend on Indiana law and your contracts. We’ll review your setup so you stay compliant.
My staff uses personal cars for errands—am I covered?
Add Hired & Non-Owned Auto liability; personal auto isn’t designed to protect the business.
Is cyber really necessary for small businesses?
Yes. Phishing and ransomware frequently target small firms. Cyber helps with forensics, notifications, legal costs, and certain lost income.
What limits do my leases and contracts require?
We’ll match COI requirements (e.g., $1M/$2M GL, AI, primary/non-contributory) and discuss Umbrella options if higher limits are needed.
Are my tools covered in the truck or on a jobsite?
That usually needs Inland Marine/Tools & Equipment—not just property coverage at your address.
Where we serve
Based in Indianapolis and serving all of Indiana—Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Lafayette/West Lafayette, Bloomington, Muncie, Columbus, Terre Haute, Fort Wayne, South Bend, Evansville, and beyond.
Ready to insure your next milestone?
Let’s design small business insurance that checks the contract boxes and protects your momentum. Request a tailored quote from AOG Group | Allstate in Indianapolis today.
Disclosures: Product features, underwriting, discounts, and availability vary by carrier and state. Terms, limits, conditions, and exclusions apply. Coverage is determined by the policy documents issued. We’ll review specifics with you before you buy.
