Employer Must Carry Insurance

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

IC 22-3-2-2 Mandatory compliance; burden of proof; exemptions
     Sec. 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.
For the full text of the code, including exemptions, please go to this link:

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