Nebraska Workers' Compensation Insurance

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

You are required to carry workers' compensation insurance in Nebraska if:

• You have any employees working in Nebraska, whether full-time, part-time, seasonal, temporary or minors. 
• You’re going to work for someone else. In Nebraska, employers are required only to cover employees—not independent contractors, though your status may change from job to job. Are you an employee or an independent contractor? 10 ways to tell >>

Other regulations that may affect you:

• Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage

• You are a sole proprietor, partner or member of an LLC: In Nebraska, you are excluded from coverage but have the option to include yourself if actively involved in the business on a full-time basis. 
• You are a corporate officer: You are included but have the option to exempt yourself if you own 25% or more stock.

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>