Protect your business vehicles with a Nebraska commercial auto policy
Many of Nebraska’s 180,000 small businesses need commercial auto insurance to protect against accidents and other incidents that involve their business vehicles. A personal auto policy typically won’t cover vehicles used for work because they’re often exposed to more risk than personal autos.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a catering van in Omaha or several contractor trucks in Lincoln.
Commercial auto coverage for a variety of business types:
Nebraska commercial auto insurance cost
Several factors affect the cost of your Nebraska commercial auto policy, including your:
Profession
Some industries have more risk than others. A home improvement contractor who carries tools and equipment to various job sites every day can expect to pay more than a home inspector who carries few work supplies.
Vehicle
Your vehicle’s size and use affect your rate. A large bucket truck with attached equipment will likely have a higher premium than a small delivery van with minimal equipment.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It’s common to pay more for commercial auto coverage in a large city like Omaha than in a smaller city like Norfolk. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as tornadoes and floods, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within North Platte’s city limits is considered lower risk than a vehicle with a regional route that covers all of central Nebraska.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Nebraska state minimum limits of 25/50/25 will pay less than a policyholder needing a combined single limit of $1M.
Nebraska commercial auto insurance requirements
Nebraska state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage (i.e., 25/50/25). Some policies are required to carry higher limits based on the types of vehicles they insure.
It’s also required that you carry both uninsured motorist (UM) and underinsured motorist (UIM) coverages. These coverages protect if you’re injured in an accident by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your medical expenses.
Nebraska commercial auto resources:
Common professions that need commercial auto insurance in NE:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Nebraska
We offer Nebraska commercial auto insurance statewide, including these major cities:
- Omaha
- Bellevue
- Kearney
- Norfolk
- Columbus
- Lincoln
- Grand Island
- Fremont
- Hastings
- North Platte
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