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Employer Must Carry Insurance

IC-22-3-2-2 requires employers (with some exceptions) to carry workers compensation coverage.;

IC-22-3-2-2

(a) Every employer and every employee, except as stated in IC 22-3-2 through IC 22-3-6, shall comply with the provisions of IC 22-3-2 through IC 22-3-6 respectively to pay and accept compensation for personal injury or death by accident arising out of and in the course of the employment, and shall be bound thereby.
(b) IC 22-3-2 through IC 22-3-6 does not apply to railroad employees engaged in train service as:
(1) Engineers;
(2) Firemen;
(3) Conductors;
(4) Brakemen;
(5) Flagmen;
(6) Baggagemen; or
(7) Foremen in charge of yard engines and helpers assigned thereto.
(c) IC 22-3-2 through IC 22-3-6 does not apply to employees of municipal corporations in Indiana who are members of:
(1) The fire department or police department of any such municipality; and
(2) A firefighters' pension fund or of a police officers' pension fund.
However, if the common council elects to purchase and procure worker's compensation insurance to insure said employees with respect to medical benefits under IC 22-3-2 through IC 22-3-6, the medical provisions of IC 22-3-2 through IC 22-3-6 apply to members of the fire department or police department of any such municipal corporation who are also members of a firefighters' pension fund or a police officers' pension fund.
(d) When any municipal corporation purchases or procures worker's compensation insurance covering members of the fire department or police department who are also members of a firefighters' pension fund or a police officers' pension fund, and pays the premium or premiums for such insurance, the payment of such premiums is a legal and allowable expenditure of funds of any municipal corporation.
(e) Except as provided in subsection (f), where the common council has procured worker's compensation insurance under this section, any member of such fire department or police department employed in the city carrying such worker's compensation insurance under this section is limited to recovery of medical and surgical care, medicines, laboratory, curative and palliative agents and means, x-ray, diagnostic and therapeutic services to the extent that such services are provided for in the worker's compensation policy procured by such city, and shall not also recover in addition to that policy for such same benefits provided in IC 36-8-4.
(f) If the medical benefits provided under a worker's compensation policy procured by the common council terminate for any reason before the police officer or firefighter is fully recovered, the common council shall provide medical benefits that are necessary until the police officer or firefighter is no longer in need of medical care.
(g) The provisions of IC 22-3-2 through IC 22-3-6 apply to:
(1) Members of the Indiana general assembly; and
(2) Field examiners of the state board of accounts.

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The material in this document has been prepared and shared for informational purposes only and should not be relied upon as legal advice on any particular situation.