Geneva Insurance Group is licensed by the Indiana Department of Insurance to write business statewide. We work with 25+ A-rated carriers serving Indiana drivers, homeowners, and businesses — from Indianapolis through Fort Wayne, Evansville, South Bend, and the rural Hoosier counties.
Indiana requires minimum 25/50/25 liability and 25/50 uninsured motorist. We compare carrier appetite for Indiana risk profiles — some carriers price aggressively in Marion and Hamilton counties; others run cheaper in northern IN around Allen and St. Joseph counties.
Indiana homes face tornado/hail risk in central and southern IN, freeze-burst losses statewide, and Ohio River flooding in the south. We size dwelling coverage to current rebuild cost and recommend the wind/hail and water-backup endorsements that fit your specific risk.
Workers comp is mandatory the moment you have employees in Indiana. We write GL, commercial property, professional liability, and commercial auto for Indiana businesses — from contractors and trades to professional services and retail.
Renters and condo policies in Indiana run roughly $10-$22/month and we shop them like full home policies. Most apartment leases in Indianapolis, Bloomington, and West Lafayette require proof of liability coverage.
Term life, whole life, and individual health insurance for Indiana residents. We help with Marketplace plans, employer alternatives, and supplemental coverage for self-employed professionals.
Personal umbrella stacks on top of your auto + home liability for catastrophic protection — typically $200-$400/year for $1M of coverage in Indiana.
Geneva is licensed by the Indiana Department of Insurance for personal and commercial lines statewide. We understand Indiana-specific requirements like the BMV financial-responsibility rules and the Indiana Workers Comp Board structure.
Most major standard carriers, Hagerty for collector vehicles, regional Indiana-specific underwriters, and surplus-lines markets for tougher risks. Captive agents can only show you one carrier.
Marion, Hamilton, Lake, Allen, St. Joseph, Hendricks, Vanderburgh, Porter, Tippecanoe, Madison, and the rest. Fully-remote model means no office overhead inflating your premium.
Indiana requires 25/50/25 in liability coverage — $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. Indiana also mandates uninsured motorist coverage at the same 25/50 minimum and underinsured motorist at 50/50. Most independent agents in Indiana recommend at least 100/300/100 — the legal minimum gets exhausted quickly in any serious accident.
Yes, with very narrow exceptions. Indiana requires workers compensation insurance for any business with one or more employees, regardless of hours. Sole proprietors, partners, and LLC members can opt out for themselves but must cover their employees. Penalties for going uncovered include the cost of an injured employee's claim plus civil penalties up to $50/day per uncovered employee.
Yes, similar to surrounding states. Indiana auto rates rose roughly 20-35% from 2022 to 2025 due to vehicle and medical cost inflation. Home rates are up due to rebuild-cost inflation. Working with an independent agent that re-shops at every renewal is the best way to manage these increases.
Yes. Indiana allows insurance carriers to use credit-based insurance scores in setting premiums. Improving credit lowers premiums at renewal, typically within 6-12 months of the change.
Indiana auto insurance compared across 25+ carriers.
Indiana homeowners coverage with proper rebuild-cost sizing.
Workers comp + GL + professional liability for Indiana businesses.
Personal umbrella for Indiana households.