Contractor Insurance
in Nebraska
Meet Nebraska’s Insurance Rules—And Safeguard Your Business
Nebraska’s construction industry faces unique challenges, from severe weather events like hailstorms and tornadoes to stringent state regulations. Contractors must navigate these risks while adhering to state-specific insurance requirements.
Whether you’re a general contractor or a specialized tradesperson, ACI offers affordable, customized insurance solutions designed to meet Nebraska’s regulatory standards and protect your business from unforeseen liabilities.
Why Contractors in Nebraska Choose ACI
Local Expertise:
In-depth knowledge of Nebraska’s construction insurance requirements.
Bundled Savings:
Comprehensive coverage packages at competitive rates.
Fast Certificates:
Quick turnaround on insurance certificates to keep your projects on schedule.
Flexible Payment Options:
Plans starting at just 20% down.
Insurance Coverage We Offer in Nebraska
- General Liability Insurance
Protects against third-party claims for bodily injury, property damage, and personal injury resulting from your business operations.
- Workers’ Compensation Insurance
Mandatory for businesses with one or more employees, covering medical expenses and lost wages due to work-related injuries or illnesses.
- Commercial Auto Insurance
Covers vehicles used for business purposes, including protection against accidents, theft, and vandalism.
- Tools & Equipment Insurance
Safeguards your tools and equipment from theft, damage, or loss, whether on the job site or in transit.
- Builder’s Risk Insurance
Provides coverage for buildings under construction, including materials and equipment on-site, against risks like fire, theft, and weather damage.
- Professional Liability Insurance
Also known as Errors & Omissions insurance, it protects against claims of negligence or inadequate work.
Who We Cover in Nebraska
ACI provides insurance solutions for a wide range of contractors, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
Regardless of your trade, ACI offers the right policy to cover your Nebraska contracting business from every angle.
How Much Does Contractor Insurance Cost in Nebraska?
Your monthly rate is influenced by your trade, company size, coverage needs, and overall risk. Here are the key factors that typically impact your cost:
Cost Factors
- Type of Work
High-risk trades like roofing may incur higher premiums.
- Business Size
Number of employees and annual revenue.
- Coverage Limits
Higher limits increase premiums.
- Deductibles
Choosing higher deductibles can lower your premium.
- Claims History
A history of claims can affect your rates.
Ready to find coverage that fits your Nebraska business?
We’ll build a custom quote based on your trade, crew size, and risk profile—no guesswork, just real numbers.
Nebraska Contractor Insurance Requirements
General Liability Insurance
Contractors must carry general liability insurance with minimum coverage limits, often required for licensing and to secure contracts.
Workers’ Compensation Insurance
Required for all businesses with one or more employees, covering work-related injuries and illnesses.
Commercial Auto Insurance
Mandatory for vehicles used in business operations, covering bodily injury and property damage.
Requirements may vary by trade and location. Contact ACI for personalized guidance.
Get a Free Contractor Insurance Quote
in Nebraska
Protect your business with tailored insurance solutions designed for Nebraska contractors. Our experts are here to help you navigate state requirements and find the best coverage for your needs