Ind. Code ch. 27-1-31

in effect

Ind. Code § 27-1-31-1 Application of chapter

Sec. 1. (a) Except as provided in subsection (b), this chapter applies to all lines of commercial property and casualty insurance. (b) This chapter: (1) does not apply to the cancellation or nonrenewal of automobile insurance policies, as restricted under IC 27-7-6; and (2) does not affect requirements applying to: (A) the cancellation of medical malpractice insurance policies under IC 34-18-13-4 (or IC 27-12-13-4 before its repeal); or (B) the cancellation of property or liability insurance by a creditor under IC 37-2-5-17. As added by P.L.271-1987, SEC.4. Amended by P.L.2-1993, SEC.149; P.L.224-1993, SEC.1; P.L.1-1998, SEC.148; P.L.115-2026, SEC.51.

Ind. Code § 27-1-31-2 Grounds for cancellation; notice of cancellation

Sec. 2. (a) An insurer may not cancel a policy of insurance that the insurer has written that has been in effect more than ninety (90) days unless: (1) the insured under the policy has failed to pay the premium; (2) there is a substantial change in the scale of risk covered by the policy; (3) the insured has perpetrated a fraud or material misrepresentation upon the insurer; (4) the insured has failed to comply with reasonable safety recommendations; or (5) reinsurance of the risk associated with the policy has been cancelled. (b) An insurer shall mail a written notice of cancellation to a person insured under a policy issued by the insurer at least: (1) forty-five (45) days before cancelling the policy for any reason set forth in subsection (a)(2), (a)(4), or (a)(5); (2) twenty (20) days before cancelling the policy for the reason set forth in subsection (a)(3); or (3) ten (10) days before cancelling the policy for the reason set forth in subsection (a)(1). As added by P.L.271-1987, SEC.4. Amended by P.L.162-1988, SEC.3; P.L.196-2021, SEC.26.

Ind. Code § 27-1-31-2.5 Notice of cancellation

Sec. 2.5. An insurer may cancel a policy of insurance that the insurer has written that has been in effect ninety (90) days or less by mailing a written notice of cancellation to a person insured under the policy at least: (1) ten (10) days before cancelling if an insured has failed to pay a premium; (2) twenty (20) days before cancelling if the insured has perpetrated a fraud or material misrepresentation upon the insurer; or (3) thirty (30) days before cancelling for any other reason. As added by P.L.162-1988, SEC.4. Amended by P.L.196-2021, SEC.27.

Ind. Code § 27-1-31-3 Notice of nonrenewal

Sec. 3. (a) Except as provided in subsection (b), if an insurer refuses to renew a policy of insurance written by the insurer, the insurer shall mail written notice of nonrenewal to the insured: (1) at least forty-five (45) days before the expiration date of the policy, if the coverage provided is for one (1) year, or less; or (2) at least forty-five (45) days before the anniversary date of the policy, if the coverage provided is for more than one (1) year. (b) This subsection does not apply to worker's compensation insurance. If an insurer refuses to renew a policy of insurance written by the insurer, the insurer shall mail written notice of nonrenewal to the insured at least sixty (60) days before the anniversary date of the policy if the coverage is provided to a municipality (as defined in IC 36-1-2-11) or county entity. (c) A notice of nonrenewal is not required if: (1) the insured is transferred from an insurer to an affiliate of the insurer for future coverage; and (2) the transfer results in the same or broader coverage. As added by P.L.271-1987, SEC.4. Amended by P.L.160-2003, SEC.23; P.L.148-2017, SEC.7; P.L.196-2021, SEC.28; P.L.158-2024, SEC.11.

Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/27Fetched: 10/17/2026