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What Commercial Auto Insurance Requirements Apply in Indiana?

Indiana’s Department of Insurance lists $25,000/$50,000 bodily-injury and $25,000 property-damage minimums for commercial auto policies issued or renewed after June 30, 2017. Its commercial-auto guidance also says insurers may make named-driver exclusions available. Review the endorsement and excluded-driver list before assigning employees or contractors to fleet vehicles.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Indiana Commercial Auto Insurance Requirements

Requirement	Details
Commercial auto liability minimum	$25,000 one person / $50,000 multiple people / $25,000 property damage ¹
UM/UIM offer	Offered unless rejected in writing; IDOI summarizes a $50,000 minimum for UIM ^1,²

What Should You Watch for With Commercial Auto Insurance in Indiana?

Check The Indiana Minimum At Renewal
Indiana IDOI lists $25,000/$50,000 bodily-injury and $25,000 property-damage minimums for commercial auto policies issued or renewed after June 30, 2017. Compare the declarations with that floor. ¹
Review Named-Driver Exclusions Before Dispatch
Indiana guidance says named-driver exclusions may be available in commercial motor-vehicle policies. Ask for the endorsement and current excluded-driver schedule before assigning a driver. ¹
Retain The UM/UIM Selection
IDOI summarizes UM/UIM coverage as required unless rejected in writing and notes a $50,000 minimum for UIM. Ask how the offer applies to your commercial form and keep any signed rejection or selection. ^1,²

Which Commercial Auto Providers Have Indiana License Records?

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Indiana. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Corgi Insurance Services, Inc.
Insurance producer · checked 2026-09-28
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹²
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Specialty Program Group LLC
Insurance producer · checked 2026-09-28
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁶
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Indiana?

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 622-4461

Surplus-Lines Tax and Stamping Office in Indiana

Reported tax rate. 2.5% of gross premium when Indiana is the home state ^6,^7,^8,⁹

Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.

Questions to Ask Before You Buy Commercial Auto in Indiana

Does our Indiana policy meet 25/50/25 on its current declarations?
Does an endorsement exclude any driver who could use our company vehicles?
Can you provide the UM/UIM offer and any written selection or rejection for this commercial policy?

Commercial Auto Insurance in Indiana: Frequently Asked Questions

What are Indiana’s commercial auto minimum limits?

Indiana IDOI lists $25,000 for bodily injury to one person, $50,000 for multiple people, and $25,000 for property damage for policies issued or renewed after June 30, 2017. ¹

Can an Indiana commercial auto policy exclude a named driver?

Indiana IDOI guidance says named-driver exclusions can be made available in commercial motor-vehicle policies. Review the policy endorsement and excluded-driver schedule. ¹

Sources for Commercial Auto Insurance in Indiana

Property & Casualty Review Standards. Indiana Department of Insurance; Commercial Automobile section; IC 9-25-4, IC 27-1-13-7, IC 27-7-5-2. Accessed 2026-09-28.
Auto Insurance. Indiana Department of Insurance; Consumer guidance on UM/UIM offers and written rejection; commercial applicability should be checked on policy form. Accessed 2026-09-28.
Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.