What is the
FAIR Plan?


Effective immediately, all new and renewal applications must be submitted with an electronic signature.

The online application process will remain the same until you reach the signature page. Instead of printing off the signature page, signing and emailing it in, the applicant and producer will submit the application using an electronic signature.

The signature page will provide a step-by-step instruction for completion. You may also go to the Announcements link at the Agents Tab and you can print off  step by step instructions at the link.


As a result of the COVID-19 risk mitigation efforts, anyone wishing to visit the offices of the Indiana FAIR Plan in person must contact our office at 317-264-2310 to schedule an appointment.




On May 7, 2020, the Indiana Department of Insurance issued Bulletin 254 to extend the 60-day moratorium on the cancellation or nonrenewal of insurance policies for the nonpayment of premium from May 18 to May 31, 2020. This extension was necessary to conform to Governor Eric J. Holcomb's Executive Order 20-25 for the "Renewal of Public Health Emergency Declaration for the COVID-19 Outbreak." A copy of Bulletin 254 can be found here


FAIR Plan staff continue to process new and renewal business and answer questions from the public and producers. Please contact us by phone, email or in-person by appointment only. 


As a result of the COVID-19 Pandemic, effective March 19, 2020 the Indiana FAIR Plan has implemented a 60-day moratorium on policy cancellations due to non-payment of premium. Please note that this is not a waiver of premium but an extension of time in which the premium may be paid. After the 60-day moratorium, premium payments will be due.

EFFECTIVE March 17, 2020

 RE: COVID19 (Coronavirus)

As a result of ongoing public health concerns over the Coronavirus, the Indiana FAIR Plan has asked all employees to work from home until further notice.  We place great value on the health and well being of our associates and customers and apologize for any inconvenience this may cause. We ask that our business partners and customers refrain from visiting our physical office to comply with the CDC and WHO recommendations to businesses across the country.
We will continue to monitor the Federal and State health mandates and return to the office when possible. In the interim, staff can accept all calls as we would normally. Physical mail will be picked up periodically throughout the week and all business transactions will be processed remotely.
Thank you for your patience and understanding as we work through this unfortunate event that has impacted our State.
What is the FAIR Plan?
The Indiana Basic Property Insurance Underwriting Association, also known as the FAIR Plan, was established October 28, 1968 for the purpose of making property insurance available to applicants who have not been able to secure such insurance on insurable property through the normal insurance market. The FAIR Plan is not intended to be competitive with the voluntary insurance marketplace, but instead is designed to be used as a last resort to obtain basic property insurance. It is a voluntary association comprised of insurance companies that are licensed to write property insurance in the State of Indiana. Funding of the FAIR Plan is through premium income from FAIR Plan policies and if necessary, assessments paid by its member companies to pay policy loss claims, expenses and administrative expenses.

What does the FAIR Plan Offer?
Dwelling and Commercial Insurance to Indiana Residents who have been declined coverage by at least three non-related Insurance Companies. The declination is verified in section 2 of the FAIR Plan application for insurance.

The maximum amount of coverage for dwelling risk is $250,000 combined for building and contents. Commercial coverage has a maximum amount of $1,000,000 combined for building and contents.

Hours of Operation
Monday through Thursday 7:00AM to 4:00PM
Friday 7:30AM to 11:30AM
Vistors must make an appointment
Saturday and Sunday - Closed
Contact our office for the FAIR Plan holiday schedule

Indiana Automobile Insurance Plan (IAIP)
The Indiana Automobile Insurance Plan (IAIP) was created in 1948 and is a voluntary association that provides automobile insurance to individuals who are unable to obtain coverage through the voluntary market. You may contact any licensed insurance agent in the state of Indiana for more information on the IAIP.

The IAIP is a separate association from the Indiana FAIR Plan. 
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