Find an Independent Agent
Find an Insurance Company
What type of insurance do you need?
Get help from one of our Nebraska independent agents
They understand your risks and will find you the coverage you need.
Last year small businesses in Nebraska made $76.1 billion. What happens if a client files a liability claim against you and you don't have insurance? Or an employee is injured while on the job but you skimped out on workers' comp coverage? Without insurance, business claims have to be paid out of your pocket, meaning they have to be paid out of your business’s revenue.
40% of small businesses are likely to experience a property or general liability claim in the next 10 years. Here are some things these companies have been using their insurance on:
Nebraska business insurance will pay for covered claims so your business doesn’t have to. It should be comprehensive and address the specific risks and hazards your business faces.
Here’s what a standard business insurance policy should do:
Pay For Damage To Your Building
Pay For Damage To Your Business Property
Pay For Damage To Someone Else’s Property
Pay For Someone Else’s Medical Bills
Pay For Accidents in Company Vehicles
Pay For Employee Injuries & Compensation
Commercial insurance is not required of all Nebraska business owners, but certain aspects and coverages may be. For example, in this state, businesses that employ one or more people — whether part- or full-time — must carry workers' compensation insurance.
And if your business has company-owned cars, you must carry commercial auto insurance. To learn more about coverages and policies that you may need, talk to a local independent insurance agent.
It primarily depends on how risky your business is. The riskier your business is, the higher your insurance will be. Here are two examples.
Business insurance rates are calculated using a number of factors such as the risks to your business property, your liability coverage needs and the amount and types of coverage you want. Policies can vary significantly by business industry, so it is best to talk with an experienced insurance agent when building a suitable and comprehensive policy for your business.
It’s usually wise to work with an independent agent in Nebraska since they have access to multiple insurance companies. Sometimes it’s difficult to find an insurance company who will cover your business.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|