What to Know
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 >>
Where to Get It
- Nebraska has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>
- If you’re still having trouble, you can contact Nebraska's assigned risk pool, which will help you find coverage.
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.
Nebraska Key Resources
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 >>