Business insurance in Nebraska
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Get business insurance in Nebraska
biBerk is many companies’ go-to source for business insurance in Nebraska. We offer flexible policies to protect you from the many types of risk Nebraska businesses face. Let’s take a look at what types of financial protection are available.
Nebraska Workers' Compensation insurance
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.
Workers' Compensationchevron_rightNebraska General Liability insurance
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.
General Liabilitychevron_rightNebraska Business Owners Policy (BOP)
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.
Business Owners Policychevron_rightNebraska Professional Liability insurance
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.
Professional Liabilitychevron_rightNebraska Cyber insurance
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.
Cyber Insurancechevron_rightNebraska Umbrella insurance
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.
Umbrella Insurancechevron_rightWe cover all kinds of professionals and businesses in Nebraska, including:
- Architects and engineers
- Auditors and accountants
- Bars, lounges, and nightclubs
- Business consultants
- Cabinet and trim installers
- Carpentry services
- Childcare and day care centers
- Clothing stores
- Computer installation/repair services
- Conduit construction companies
- Contractor building operations
- Decorative iron and steel companies
- Farm machine operations
- Fast food restaurants
- Fitness centers and gyms
- Floor and carpet installers
- Furniture stores
- Gardening services
- Hardware stores
- Heating and air companies
- Insulation services
- Janitorial services
- Landscaping services
- Law firms
- Park operations
- Plumbing services
- Printing and copying services
- Residential cleaning services
- Retail stores
- Surveyors and geologists
- Telecommunications companies
- Trucking companies
- Truck drivers
- Veterinary hospitals
- Welding and metal cutting companies
Why biBerk for business insurance in Nebraska?
We’re the experts when it comes to Nebraska small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
How is biBerk better for NE business insurance?
When it comes to Nebraska small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett in Nebraska decades ago. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.
Nebraska business insurance wherever you are!
Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurance in Omaha, NE
- Business insurance in Lincoln, NE
- Business insurance in Scottsbluff, NE
- Business insurance in North Platte, NE
- Business insurance in Chadron, NE
- Or anywhere in Nebraska!
Who relies on biBerk for NE business insurance?
Are you a new business owner? If so, you’ll be glad to learn we provide lots of interesting articles and other helpful information in our Resource Center. We want you to be well-informed about business insurance and confident you’re getting outstanding financial protection from biBerk. New business owners also appreciate the simplicity and clarity of our website and guidance from our insurance experts when needed. Plus, coverage from biBerk is affordable and flexible, which is essential for startups with big plans!
Optimized coverage for experienced business owners
Experienced business owners rely on biBerk for tailored insurance solutions. They know how critical business insurance is to their companies, and they trust us to help them develop comprehensive insurance portfolios. We’re also here for them as their companies grow and change to ensure they don’t experience any coverage gaps.
A strategic risk management advisor
Decision-makers at larger organizations face more complex business risks, so they come to us for guidance on the policies and limits that are appropriate for their operations. They appreciate that our insurance solutions are scalable—providing rock-solid financial protection for everything from startups to corporations. Having adequate coverage helps these organizations avoid business disruptions as they work to serve their customers or clients and grow their market share.
What coverage is required for Nebraska small businesses?
Workers' Compensation
In Nebraska, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have workers’ comp coverage but conduct business without it.
Other policy considerations
While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
What’s the cost for Nebraska business insurance?
The cost of business insurance in Nebraska depends on multiple factors, including your industry, number of employees, and your amounts of payroll and revenue. Your claims history will also influence your policy cost. Companies with fewer claims typically pay lower premiums.
Whether you need commercial insurance in Lincoln, NE, or coverage anywhere in the state, you can determine your cost for Nebraska business insurance with instant online quotes for the policies you need.
Business insurance in Nebraska: frequently asked questions
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What types of insurance are typically required for small businesses in Nebraska?
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Nebraska requires small businesses with employees to carry workers' compensation insurance and commercial auto insurance for business-owned vehicles. General liability insurance for Nebraska businesses is also highly recommended though not required.
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How much does small business insurance typically cost in Nebraska?
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The cost of small business insurance in Nebraska varies based on factors like the type of coverage, business size, industry, and risk profile. However, it’s common for companies to get hundreds of thousands of dollars in coverage for just hundreds annually.
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Are there any industry-specific insurance requirements in Nebraska?
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Certain industries in Nebraska may have specific insurance requirements. For example, professional services companies often need errors & omissions (E&O) insurance, and businesses handling sensitive data should consider Cyber insurance.
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How do I determine the right coverage amounts for my small business in Nebraska?
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To choose the right coverage amounts, assess factors like the value of your assets, potential liabilities, and regulatory requirements. Then, if you have questions, one of our licensed insurance experts is happy to answer them.
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What is the typical process for filing an insurance claim in Nebraska?
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The process includes notifying your insurance provider, providing necessary documentation, and cooperating with the insurer's investigation.
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How quickly can I expect my insurance claims to be processed and resolved?
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The time required to process a claim varies based on the complexity. However, our team understands that processing claims promptly and efficiently is essential, and you can count on them to do that.
Nebraska small business insurance in three simple steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
Trust biBerk for business insurance in Nebraska and save up to 20%.