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Recommended insurance policies for small businesses in Nebraska
General liability insurance
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner's policy
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Nebraska small business.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers' compensation
Workers’ comp insurance is required for Nebraska small businesses that have one or more employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for vehicles owned by Nebraska small businesses. It covers injuries and property damage in an accident, along with other types of damage.
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? Check out our other policies.
What are the insurance requirements for small businesses in Nebraska?
Workers' compensation insurance
Nebraska state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
Vehicles owned by small businesses in Nebraska must be covered by commercial auto insurance. Nebraska state law requires a minimum of:
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage: $25,000 per person / $50,000 per accident
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
How much does small business insurance cost?
Commercial insurance can be affordable for a small Nebraska company. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
We specialize in business insurance for Nebraska IT and technology professionals
Our agents are experts in insurance for Nebraska technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed in Nebraska by the Nebraska Department of Insurance.
TechInsurance is licensed in Nebraska as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100175442). Verify our licensure with the National Association of Insurance Commissioners: select Nebraska, licensee, business entity, and then enter our NPN or license number.
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