Indiana Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Indiana Insurance Company is part of Encova Insurance and current official commercial guidance is presented under Encova branding. For the requested lines, Encova publicly shows commercial package/property, commercial umbrella, and workers’ compensation products, with a producer-facing Strategic Accounts appetite flyer that is the clearest verified underwriting guidance. Preferred business shown includes larger middle-market/large property-casualty and workers’ compensation accounts, especially air conditioning and heating equipment manufacturing, automotive parts manufacturing, automobile parts suppliers/distributors, light-to-moderate construction, electrical/electronic equipment manufacturing or distribution, food processors, food wholesalers, furniture manufacturing (metal or wood, including office), machinery/equipment dealers with installation/service/repair except farm or construction equipment, non-structural metal goods processing/manufacturing/stamping, retail stores, restaurants/eating establishments, service businesses, and wood products manufacturing. Strategic Accounts is described as suitable for large/complex property and casualty risks, typically generating more than $250,000 premium for a single line excluding workers’ compensation. Encova states it can write package or monoline placements and prefers to couple workers’ compensation with commercial lines when possible, though it may consider property/casualty accounts without the workers’ compensation line. Restricted/declined classes specifically called out include transportation of bulk propane or chemicals, high-hazard construction operations, pharmaceutical or chemical manufacturers, aviation/aerospace products, for-hire trucking accounts, and towing operations; limited long-haul auto exposure may be considered only when incidental to an otherwise acceptable fleet primarily hauling the insured’s own goods. Workers’ compensation guidance indicates Encova actively writes in certain approved states and can provide national coverage solutions, offering guaranteed cost, deductible structures from small to large, retrospective rating, dividends, broad form, and employers liability; the public page emphasizes safety, return-to-work, and claims-management support as part of its underwriting/value proposition rather than detailed class appetite. Geographic notes: Encova says appointments and product availability vary by state, Strategic Accounts is limited to states where commercial filings are approved and accepted, and the footprint map includes Indiana within its commercial territory. Submission/producer notes: large qualifying accounts should go through a prequalification process and electronic submissions may be sent directly to strategic.accounts@encova.com; Encova says an underwriter will acknowledge the submission promptly. The carrier also instructs agents to use the agent portal for book management and revisions, noting portal revisions typically turn in 1-2 days versus about 10 days by email, and producers can subscribe to notifications for audits, underwriting issue resolution, cancellations, non-renewals, reinstatements, billing, and claims. For agency access, Encova is currently appointing for all lines of business subject to state variation through its get-appointed form. Because no Indiana-Insurance-branded standalone appetite page was verified, this refresh relies on Encova’s official branded commercial guidance that appears to govern the carrier’s current operating posture.