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Contractors
Insurance

Nebraska

Nebraska

Contractors Insurance

Stop overpaying for coverage in the Cornhusker State!
A couple minutes can save you up to 65% or more with Nebraska’s top-tier contractors’ insurance programs –

Coverage for Nebraska Contractors

As a specialty brokerage focusing solely on the building industry, our Nebraska Contractors Insurance programs provide affordable coverage fit for any budget –

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Nebraska construction sites are hazard magnets. Common risks such as safety issues, equipment mishaps, increased material costs, and theft can result in an unexpected incident that can have profound consequences for a small contracting business operating with inadequate or no insurance coverage. Why jeopardize your business when you can transfer your risks to a highly-rated commercial insurance carrier?

When safeguarding your company’s financial assets, the best defense is a good offense. A Nebraska contractors’ insurance policy will provide around-the-clock protection against property damage and employee or third-party claims.

Protect Against the Unpredictable

Before commencing operations, all contractors are encouraged to visit the Nebraska Department of Labor to verify laws, regulations, upfront fees, and registration prerequisites.

With service you can rely on, our team of experts is standing by to assist Nebraska contractors with the required steps to obtain a well-balanced insurance plan written exclusively to your business needs.

Our Recommended Products

General Liability


General liability insurance for Nebraska contractors is essential for protecting construction businesses from third-party claims involving bodily injury, property damage, and personal and advertising injury. This coverage reduces financial risks and demonstrates professionalism to project owners.

Nebraska General Liability Insurance Requirements

The following cities have specific insurance requirements for contractors:

  • City of Lincoln: Contractors must carry a minimum of $500,000 in liability coverage per occurrence.
  • City of York: Contractors must maintain $300,000 in public liability coverage and $100,000 in property damage liability.
  • Sarpy County (City of La Vista): Specific professional licenses, such as plumbers and mechanical contractors, require $1,000,000 in liability and $500,000 in bodily injury insurance.
  • City of Omaha: Contractors must provide a certificate of insurance demonstrating general liability coverage with a $2,000,000 aggregate limit. (City of Omaha Planning Department)

Key Features of Liability Insurance for Nebraska Contractors:

  • Products and Completed Operations: Protects against claims related to completed projects or installed products.
  • Defense Costs: Covers legal expenses incurred during lawsuits.
  • Medical Payments: Covers minor medical expenses for injuries occurring during operations or on business premises.

To ensure compliance, contractors should consult local authorities in the areas where they operate and consider carrying coverage of $1 million per occurrence and $2 million aggregate to meet industry standards.

Workers' Comp


Workers’ compensation insurance for Nebraska contractors provides financial protection for employees who suffer work-related injuries or illnesses. This coverage ensures that medical expenses, partial wage replacement, and other necessary benefits are handled while helping contractors comply with Nebraska state law.

Nebraska Workers’ Compensation Requirements

In Nebraska, all contractors with one or more employees are required to carry workers’ compensation insurance. Employers must provide a Workers’ Compensation Certificate of Insurance (ACORD 25) to the Nebraska Workers’ Compensation Court, listing the court as the certificate holder. Contractors are responsible for maintaining an updated certificate to remain in compliance with registration requirements.

Key Benefits of Workers’ Compensation Insurance for Nebraska Contractors:

  • Medical Benefits: Covers medical care, hospital services, prescribed drugs, prosthetics, necessary supplies, and travel expenses related to work-related injuries or illnesses.
  • Indemnity Benefits: These include temporary and permanent disability benefits to compensate employees unable to work due to a work-related injury, as well as death benefits for burial expenses and financial support for surviving dependents.
  • Return-to-Work Services: Includes vocational rehabilitation programs to help injured employees transition back into the workforce through job placement or training.

Failure to provide workers’ compensation insurance can result in fines, criminal penalties, and removal from the Nebraska Registered Contractor list.

For the most current requirements, visit the Nebraska Workers’ Compensation Court.

Surety Bonds


Nebraska contractor license bonds are a financial guarantee that ensures contractors adhere to local laws, building codes, and contractual obligations. These bonds help protect clients, government agencies, and the public from potential financial losses due to contractor misconduct or non-compliance.

Surety Bond Requirements in Nebraska

  • Local Jurisdiction Requirements: Certain cities, such as Omaha and Lincoln, may require contractors to obtain license and permit bonds as part of their licensing or permitting processes.

Purpose of Surety Bonds

  • Compliance: Ensures contractors follow local construction laws and regulations.
  • Consumer Protection: Provides financial protection to clients and municipalities from fraudulent or illegal practices.
  • Project Accountability: Guarantees that contractors fulfill their contractual obligations.

How Surety Bonds Work

A contractor license bond involves a legal agreement between three parties:

  • Principal: The licensed contractor.
  • Obligee: The city, municipality, or agency requiring the bond.
  • Surety: The company providing the bond and guaranteeing the contractor’s compliance.

Why Nebraska Contractors Need Surety Bonds

For Nebraska contractors, meeting local bonding requirements is not just a formality. It’s a critical step in securing contracts, maintaining licenses, and building trust with clients and municipalities. To ensure compliance, contractors should thoroughly understand and consult the specific requirements in the cities or jurisdictions where they plan to operate.

Commercial Auto


Commercial auto insurance for Nebraska contractors is essential for construction businesses that rely on work vehicles for job-related operations. This coverage protects against financial liabilities arising from accidents involving company-owned trucks, vans, and other commercial vehicles.

Nebraska Commercial Auto Insurance Requirements

Nebraska requires all business-owned vehicles to carry the following minimum liability coverage:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident

These coverages ensure financial protection in the event of an accident, whether caused by the policyholder or an uninsured driver.

Local Municipality Requirements

Certain municipalities and project contracts may require higher limits. For example:

  • City of Lincoln: Contractors must maintain automobile liability insurance with a minimum of $1,000,000 combined single limit per accident.

Ensuring your construction business carries adequate commercial auto insurance helps protect your company from financial risks and ensures compliance with Nebraska state and local regulations.

Inland Marine


Inland marine insurance for Nebraska contractors provides essential coverage for tools, equipment, and materials frequently transported or used across multiple job sites. This specialized policy protects valuable business assets that traditional commercial property insurance may not cover.

What Does Inland Marine Insurance Cover?

  • Tools and Equipment Coverage: Protects tools, machinery, and construction equipment against theft, vandalism, and accidental damage in transit or at job sites.
  • Installation Floaters: Covers materials and equipment during transportation, storage, and installation until the project is complete.
  • Transit Protection: Provides coverage for supplies and materials transported to and from job sites.
  • Builder’s Risk: Safeguards structures under construction against risks such as fire, theft, and weather-related damage.

Why Nebraska Contractors Need Inland Marine Insurance

Contractors frequently move tools and equipment between locations, exposing them to loss, damage, or theft. Inland marine insurance ensures these critical assets are protected wherever they are, reducing financial risk and keeping projects on track.

Securing inland marine insurance is not just a choice but a key risk management strategy for Nebraska builders and tradesmen. It provides peace of mind and protects your essential business property, ensuring that your company can continue operating despite unforeseen events.

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