Indiana Hardware Store businesses pay $55–$230/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Indianapolis | $63–$265/mo | Compare → |
| Fort Wayne | $55–$230/mo | Compare → |
| Evansville | $52–$219/mo | Compare → |
| South Bend | $54–$225/mo | Compare → |
| Carmel | $65–$271/mo | Compare → |
| Fishers | $63–$265/mo | Compare → |
| Bloomington | $55–$230/mo | Compare → |
| Hammond | $58–$242/mo | Compare → |
| Gary | $52–$219/mo | Compare → |
| Lafayette | $52–$219/mo | Compare → |
| Marion County | $63–$265/mo | Compare → |
| Hamilton County | $65–$271/mo | Compare → |
| Allen County | $55–$230/mo | Compare → |
| Lake County | $58–$242/mo | Compare → |
| St. Joseph County | $54–$225/mo | Compare → |
| Hendricks County | $61–$253/mo | Compare → |
| Elkhart County | $52–$219/mo | Compare → |
| Johnson County | $59–$248/mo | Compare → |
| Tippecanoe County | $52–$219/mo | Compare → |
| Vanderburgh County | $52–$219/mo | Compare → |
Hardware Store businesses in Indiana typically pay $55–$230/month for commercial property insurance. Rates vary by city, revenue, employee count, and claims history.
Indiana doesn't legally mandate commercial property insurance for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Commercial Property Insurance protects your building, equipment, inventory, and physical assets from damage or loss. For Hardware Store businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Indiana for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Hardware Store policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Indiana cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.