Commercial Coverage Built for Southern Indiana Businesses
One local agent shops multiple carriers to match your industry, your risks, and what Indiana actually requires — so you can get back to running your business.
Coverage That Fits Your Industry, Not Just Your Premium
Generic commercial policies are written for the average business. Most businesses aren't average. A roofing contractor carries different risks than a restaurant, and a church has exposures that neither of them shares. We write industry-specific programs for the businesses we serve — drawing on coverage from Erie Insurance, Progressive, and other carriers in our network to find the right fit, not just the lowest number.
We work with contractors and building trades, restaurants and food-service operations, churches and religious organizations, retail and parts stores, and small-to-midsize manufacturers across Vanderburgh, Warrick, Posey, Gibson, and Spencer counties.
Industries We Serve
Contractor and Building Trades Insurance
Coverage built around the real risks of construction work — general liability, commercial auto, workers' comp, and tools and equipment coverage for contractors of all sizes.
Restaurant and Food-Service Insurance
From fast-casual to full-service dining, restaurant coverage addresses liquor liability, equipment breakdown, food spoilage, and the unique liability exposures of a busy kitchen.
Church and Religious Organization Insurance
Churches carry property, liability, and event-related risks that standard commercial policies often handle poorly. We write programs designed specifically for congregations and faith-based organizations.
General Business Insurance
Retail stores, parts suppliers, small manufacturers, and other businesses that don't fit a specialty category. We build commercial programs for the full range of small and midsize employers in Southern Indiana.
Our Commercial Specialty: Contractors and the Building Trades
Contractor insurance is where we've built the deepest knowledge on the commercial side of our book. We understand the coverage requirements general contractors place on subs, the difference between occurrence and claims-made liability forms, and why certificate management matters on a busy job site.
If you work in construction, excavation, electrical, plumbing, HVAC, roofing, or any of the building trades across the Evansville metro or the surrounding counties, this is a program we know how to write correctly.
What Your Commercial Program May Include
Every business is different, but most commercial programs are built from a core set of coverages. Here's what we typically discuss with new clients:
General Liability Insurance
Covers third-party bodily injury and property damage claims — one of the most common requirements for licensed contractors and commercial leases.
Business Owners Policy (BOP)
Bundles general liability and commercial property coverage into a single policy, often at a lower combined cost. A common starting point for small businesses with a physical location.
Workers' Compensation
Required in Indiana for most businesses with employees. Covers medical costs and lost wages when a worker is injured on the job.
Commercial Auto Insurance
If your business owns or uses vehicles for work — trucks, vans, service vehicles — a personal auto policy won't cover them on the job. Commercial auto fills that gap.
Commercial Umbrella
Adds a layer of liability protection above your underlying policy limits. Especially relevant for contractors and any business with significant public exposure.
What Indiana Businesses Are Required to Carry
One of the most common questions we hear from new commercial clients is whether their current coverage meets legal and contractual requirements. The honest answer is: it depends on your industry, your number of employees, and the contracts you sign.
Indiana requires workers' compensation for most employers with employees on payroll. General contractors are typically required to carry general liability before obtaining a license or pulling permits in many jurisdictions. If you lease commercial space, your landlord almost certainly requires proof of liability coverage. And if you work as a subcontractor, the GC above you likely requires specific limits and additional insured status on your policy.
We walk every new commercial client through what's required, what's commonly expected by clients and partners, and where gaps in current coverage tend to show up. You don't need to sort through the fine print alone.
One Agent for Your Whole Commercial Program
Managing business insurance gets complicated fast — multiple policies, renewal dates, certificate requests, and the occasional claim that needs someone in your corner. We handle the full commercial program for our clients, which means one point of contact for everything.
We're an independent agency, so we're not tied to a single carrier. When your renewal comes up or your business changes, we shop your coverage across Erie, Progressive, National General, and others to make sure you're still in the right place. And if you ever have a claim, we show up — in person when it matters.
Frequently Asked Questions About Business Insurance in Southern Indiana
What's the difference between a Business Owners Policy and general liability insurance?
General liability covers third-party injury and property damage claims against your business. A Business Owners Policy (BOP) combines general liability with commercial property coverage — protecting your building, equipment, and inventory — into a single policy. A BOP is typically more cost-effective than buying those two coverages separately, and it's a common starting point for small businesses with a physical location.
Is workers' compensation required in Indiana?
Yes, for most businesses with employees on payroll. Indiana law requires employers to carry workers' compensation coverage, with limited exceptions for certain sole proprietors and family-owned agricultural operations. If you have employees working for you — even part-time — it's worth confirming you're covered correctly.
I'm a subcontractor. Do I need my own general liability policy?
Almost certainly yes. Most general contractors require subcontractors to carry their own general liability coverage and name the GC as an additional insured before work begins. The required limits vary by project and contract, but $1 million per occurrence is a common baseline. We help contractors get properly set up so they can take on work without delays.
Can you cover a business that operates across multiple Indiana counties?
Yes. We write commercial coverage for businesses operating throughout Vanderburgh, Warrick, Posey, Gibson, and Spencer counties, and our carriers can accommodate operations that extend beyond those areas as well.
How long does it take to get a commercial insurance quote?
For most small businesses, we can turn around a quote within one to two business days once we have the information we need — business type, number of employees, revenue, vehicles, and current coverage details. More complex commercial accounts may take a bit longer. The more complete your intake, the faster we can move.
Ready To Get Started?
Ready to Review Your Business Coverage?
Hahn Insurance Agency has been serving small businesses and employers across the Evansville metro and Southern Indiana for years. We're an independent agency representing Erie Insurance, Progressive, National General, and other carriers — which means we shop on your behalf, not on behalf of any one company. Our commercial clients range from solo contractors to manufacturers with dozens of employees, and we bring the same in-person approach to every account. Learn more about who we are on our about page.