Nebraska Business Insurance
Customized protection for your Nebraska business
Nebraska small businesses should consider several types of business insurance to protect against a wide range of incidents, including business property damage, customer slips and falls and employee injury. These situations can result in financial hardship that might be difficult to overcome without proper coverage.
Small businesses account for 99.1% of Nebraska businesses and employ over 400,000 people, making them an important part of the state’s economy. These businesses are required by Nebraska state law to protect their employees with workers’ compensation insurance.
Luckily, getting the right coverages for your business is easy with Progressive Advantage® Business Program. If you need general liability, a business owners policy (BOP) or workers’ comp, our insurance experts can customize a policy just for you.
Types of NE business insurance
How much does business insurance cost in Nebraska?
The cost of business insurance in Nebraska depends on several factors, including your business’s profession, location and size. For example, a coffee shop located in Lincoln with five employees can expect a different rate than a diner located in Omaha with twenty-five employees.
One of the most important factors is the type of work your business does. Businesses exposed to a higher amount of risk can expect to pay more for business insurance. For example, a lawn service that specializes in mowing and light yard work is considered to have less risk than a tree trimming business that specializes in the pruning and removal of tall trees. In this scenario, the tree trimmer can expect to pay more for coverage because their risk is greater.
Learn more about the factors that affect your business insurance rate.
Nebraska business insurance requirements
Workers’ compensation insurance is the only business insurance coverage required by Nebraska law for businesses with one or more employees. Federal employees, railroad employees and domestic servants are exempt from this requirement. Learn more about Nebraska’s workers’ compensation laws.
While you’re not legally required to carry other types of business insurance in Nebraska, it’s probably a good idea that you do. Some business partners might require that your business is insured before entering a contract or doing business with you.
Resources for Nebraska small business owners:
Nebraska professions we insure
We help small business owners from a wide variety of industries, including these common professions:
Browse more examples of professions we insure.
Why choose Progressive?
Business insurance for all Nebraska cities
We can customize business insurance in all Nebraska cities, including, but not limited to: