Small Business Insurance in Nebraska

Having workers’ comp insurance in Nebraska helps protect your business if an employee gets hurt, contracts an illness, or dies as a result of an on-the-job incident. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp insurance in Nebraska to suit your business.

Most businesses can benefit from general liability insurance in Nebraska. Also known as commercial liability insurance, a general liability policy is a crucial type of Nebraska business insurance. It covers damages and legal costs associated with injury claims by customers and other people who don’t work for you (like from slip-and-fall accidents at your location), damage to other people's property your business caused, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. For example, if your building is damaged by a severe storm, your BOP can cover the costs. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

You might hear this called errors and omissions (E&O) insurance. It’s a type of small business liability insurance that can protect you from the cost of damages and legal fees if someone says your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an architect, for instance, and an error you make in a blueprint hurts a client financially and they sue, you may be covered. Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

You can buy this type of business insurance in Nebraska as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches where sensitive information like credit card data has been stolen and fraud has occurred or it’s reasonable to think it might occur.

As you’d probably expect, every Nebraska business insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection. It can cover costs that exceed the limit of another biBerk liability policy, subject to its own limit. Without it, you might be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.