We researched general liability insurance options to bring you the best business insurance guidance for Nebraska business owners. These quick answers are based on MoneyGeek’s analysis of Nebraska general liability insurance:
Best General Liability Insurance in Nebraska
The Hartford leads Nebraska general liability insurance as both the top choice and most affordable option at $77 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 23, 2025
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Commercial General Liability Insurance in Nebraska: Fast Answers
Which company offers the best general liability insurance in Nebraska?
The Hartford leads as the best general liability insurance company in Nebraska with a 4.67 overall score out of 5. It combines affordable coverage at $77 per month with strong claims handling. NEXT takes second place with a 4.57 score, featuring an excellent digital platform and customer experience for $97 per month.
Who offers the cheapest general liability insurance in Nebraska?
The cheapest general liability insurance companies in Nebraska are:
- The Hartford: $77 per month
- Simply Business: $91 per month
- Nationwide: $92 per month
- Progressive: $95 per month
- NEXT: $97 per month
Do Nebraska businesses legally need general liability insurance?
Nebraska doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians may need specific coverage amounts to maintain their licenses. Local municipalities can also impose their own insurance requirements. Even when not legally mandated, most landlords and clients demand proof of coverage before signing contracts.
How much does general liability insurance cost in Nebraska?
General liability insurance costs between $16 and $870 per month for small Nebraska businesses with two employees. The drone industry sees the lowest rates at $16 per month, while pressure washing businesses pay the highest at $870 per month. Your actual premium depends on your industry, location, coverage limits and business size.
Best General Liability Insurance Companies in Nebraska
The Hartford ranks as our top choice for general liability insurance in Nebraska. The company offers the most affordable rates while maintaining strong financial stability for small businesses. NEXT and Nationwide also perform well as alternatives. NEXT excels in customer service, while Nationwide provides reliable stability and coverage options for Nebraska business owners.
| The Hartford | 4.67 | $77 |
| NEXT Insurance | 4.57 | $97 |
| Nationwide | 4.54 | $92 |
| Simply Business | 4.49 | $91 |
| Thimble | 4.40 | $101 |
| Coverdash | 4.38 | $98 |
| biBERK | 4.29 | $108 |
| Progressive Commercial | 4.28 | $95 |
| Chubb | 4.26 | $112 |
| Hiscox | 4.18 | $108 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Nebraska General Liability Insurer
Select your industry and state to get a customized Nebraska general liability insurance quote.
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN NEBRASKA
General liability insurance covers your Nebraska business against customer injury and property damage claims, but it won't protect you from every risk. You'll need additional coverage to fill the gaps:
Best Nebraska General Liability Insurance Reviews
Finding the best general liability insurance in Nebraska requires looking beyond affordable rates to consider coverage quality and service. Our research reveals key insights about top business insurers in the state.
The Hartford
Best Nebraska General Liability Insurer
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$77These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Nebraska Commercial General Liability: Runner-Up
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$97These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Nebraska
The Hartford offers the cheapest general liability insurance in Nebraska at $77 per month, saving businesses $20 or 20% compared to the state average. Simply Business and Nationwide also provide affordable coverage options for cost-conscious business owners.
| The Hartford | $77 | $927 |
| Simply Business | $91 | $1,086 |
| Nationwide | $92 | $1,101 |
| Progressive Commercial | $95 | $1,135 |
| NEXT Insurance | $97 | $1,170 |
| Coverdash | $98 | $1,174 |
| Thimble | $101 | $1,218 |
| Hiscox | $108 | $1,296 |
| biBERK | $108 | $1,297 |
| Chubb | $112 | $1,349 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Nebraska by Industry
MoneyGeek's research identifies the top five most affordable general liability insurance providers across Nebraska industries.
- The Hartford leads with the cheapest rates in 23 industries, excelling in construction, cleaning, transportation and pest control sectors.
- Simply Business offers affordable coverage in 11 industries, performing strongly for professional services like accounting, consulting and legal practices.
- Thimble provides competitive rates across 10 industries, with particular strength in service businesses including barbershops, coffee shops and HVAC companies.
- biBerk ranks as the most affordable option in nine industries, specializing in contractor services, engineering and hospitality businesses.
- NEXT and Progressive each lead in seven industries. NEXT dominates professional sectors like dental and tech/IT, while Progressive excels in retail, beauty salons and wellness businesses.
Data filtered by:
Select
| Accountants | Simply Business | $14 | $163 |
| Ad Agency | Thimble | $94 | $1,132 |
| Automotive | Coverdash | $105 | $1,254 |
| Auto Repair | Coverdash | $109 | $1,311 |
| Bakery | Progressive Commercial | $84 | $1,006 |
| Beauty Salon | Progressive Commercial | $107 | $1,278 |
| Barber | Thimble | $93 | $1,118 |
| Candle | Simply Business | $91 | $1,093 |
| Bounce House | The Hartford | $52 | $625 |
| Catering | biBERK | $161 | $1,937 |
| Cannabis | The Hartford | $50 | $599 |
| Cleaning | The Hartford | $94 | $1,130 |
| Coffee Shop | Thimble | $89 | $1,062 |
| Computer Programming | Thimble | $93 | $1,118 |
| Computer Repair | The Hartford | $35 | $421 |
| Construction | The Hartford | $123 | $1,470 |
| Courier | The Hartford | $157 | $1,887 |
| Consulting | Simply Business | $14 | $163 |
| Contractor | biBERK | $194 | $2,322 |
| Daycare | The Hartford | $24 | $291 |
| Dental | NEXT Insurance | $12 | $143 |
| Dog Grooming | Thimble | $34 | $408 |
| DJ | Simply Business | $11 | $131 |
| Ecommerce | Simply Business | $91 | $1,093 |
| Drone | The Hartford | $12 | $145 |
| Florist | Simply Business | $29 | $349 |
| Electrical | Nationwide | $96 | $1,154 |
| Engineering | biBERK | $16 | $191 |
| Excavation | biBERK | $352 | $4,219 |
| Food | Progressive Commercial | $100 | $1,203 |
| Food Truck | The Hartford | $105 | $1,254 |
| Handyman | biBERK | $166 | $1,987 |
| Funeral Home | NEXT Insurance | $42 | $503 |
| Gardening | Coverdash | $91 | $1,090 |
| Home-based | NEXT Insurance | $43 | $522 |
| Home-based | The Hartford | $16 | $198 |
| HVAC | Thimble | $102 | $1,224 |
| Hospitality | biBERK | $133 | $1,593 |
| Janitorial | Nationwide | $92 | $1,109 |
| Jewelry | Thimble | $155 | $1,864 |
| Junk Removal | The Hartford | $120 | $1,434 |
| Lawyers | Simply Business | $14 | $163 |
| Lawn/Landscaping | Progressive Commercial | $90 | $1,083 |
| Massage | Hiscox | $87 | $1,047 |
| Manufacturing | Nationwide | $19 | $227 |
| Marine | The Hartford | $22 | $265 |
| Nonprofit | biBERK | $25 | $299 |
| Mortgage Broker | NEXT Insurance | $15 | $180 |
| Moving | The Hartford | $90 | $1,083 |
| Painting | The Hartford | $104 | $1,252 |
| Pest Control | The Hartford | $24 | $285 |
| Party Rental | Chubb | $90 | $1,080 |
| Personal Training | The Hartford | $18 | $211 |
| Photography | NEXT Insurance | $13 | $152 |
| Pet | Thimble | $34 | $408 |
| Pharmacy | biBERK | $96 | $1,148 |
| Plumbing | Simply Business | $256 | $3,077 |
| Physical Therapy | Nationwide | $19 | $227 |
| Pressure Washing | Progressive Commercial | $840 | $10,084 |
| Restaurant | Coverdash | $94 | $1,126 |
| Real Estate | Nationwide | $114 | $1,364 |
| Retail | Progressive Commercial | $87 | $1,040 |
| Roofing | Thimble | $196 | $2,355 |
| Security | The Hartford | $104 | $1,248 |
| Software | Simply Business | $14 | $163 |
| Snack Bars | The Hartford | $85 | $1,014 |
| Spa/Wellness | Progressive Commercial | $101 | $1,211 |
| Speech Therapist | Nationwide | $19 | $227 |
| Speech Therapist | Simply Business | $19 | $227 |
| Startup | Simply Business | $14 | $163 |
| Travel | The Hartford | $15 | $179 |
| Tech/IT | NEXT Insurance | $15 | $180 |
| Transportation | The Hartford | $30 | $355 |
| Tree Service | The Hartford | $96 | $1,150 |
| Tutoring | Thimble | $93 | $1,118 |
| Trucking | Coverdash | $96 | $1,150 |
| Wholesale | Coverdash | $32 | $384 |
| Veterinary | biBERK | $24 | $282 |
| Wedding Planning | NEXT Insurance | $11 | $137 |
| Welding | The Hartford | $127 | $1,520 |
| Window Cleaning | The Hartford | $121 | $1,454 |
Average Cost of General Liability Insurance in Nebraska
General liability insurance costs Nebraska small businesses an average of $97 monthly. The average cost of general liability coverage depends on your industry, business size, location and policy limits. Manufacturing companies pay higher premiums than accounting firms because of different risk exposures. Sole proprietors usually pay less than businesses with several employees since they have fewer liability risks.
Average Cost of General Liability Insurance in Nebraska by Industry
General liability insurance costs in Nebraska range from $16 monthly for drone businesses to $870 for pressure washing companies. This wide pricing spectrum reflects how your industry's risk level directly impacts your general liability coverage rates. Review this table to find typical costs for your specific business type.
Data filtered by:
Select
| Accountants | $21 | $251 |
| Ad Agency | $34 | $403 |
| Automotive | $51 | $608 |
| Auto Repair | $144 | $1,733 |
| Bakery | $86 | $1,031 |
| Barber | $42 | $506 |
| Beauty Salon | $64 | $762 |
| Bounce House | $67 | $802 |
| Candle | $52 | $626 |
| Cannabis | $64 | $764 |
| Catering | $83 | $1,000 |
| Cleaning | $126 | $1,511 |
| Coffee Shop | $85 | $1,023 |
| Computer Programming | $28 | $332 |
| Computer Repair | $45 | $543 |
| Construction | $167 | $2,000 |
| Consulting | $21 | $250 |
| Contractor | $242 | $2,907 |
| Courier | $186 | $2,229 |
| Daycare | $31 | $375 |
| Dental | $20 | $245 |
| DJ | $24 | $289 |
| Dog Grooming | $60 | $724 |
| Drone | $16 | $190 |
| Ecommerce | $70 | $835 |
| Electrical | $107 | $1,283 |
| Engineering | $38 | $455 |
| Excavation | $443 | $5,312 |
| Florist | $41 | $488 |
| Food | $102 | $1,228 |
| Food Truck | $135 | $1,617 |
| Funeral Home | $57 | $689 |
| Gardening | $107 | $1,282 |
| Handyman | $232 | $2,784 |
| Home-based | $23 | $271 |
| Home-based | $43 | $522 |
| Hospitality | $62 | $744 |
| HVAC | $233 | $2,798 |
| Janitorial | $130 | $1,564 |
| Jewelry | $38 | $460 |
| Junk Removal | $154 | $1,853 |
| Lawn/Landscaping | $114 | $1,371 |
| Lawyers | $22 | $260 |
| Manufacturing | $61 | $730 |
| Marine | $27 | $320 |
| Massage | $91 | $1,093 |
| Mortgage Broker | $22 | $261 |
| Moving | $118 | $1,415 |
| Nonprofit | $34 | $409 |
| Painting | $137 | $1,640 |
| Party Rental | $76 | $907 |
| Personal Training | $23 | $272 |
| Pest Control | $31 | $368 |
| Pet | $53 | $639 |
| Pharmacy | $59 | $705 |
| Photography | $23 | $275 |
| Physical Therapy | $105 | $1,258 |
| Plumbing | $344 | $4,124 |
| Pressure Washing | $870 | $10,442 |
| Real Estate | $51 | $606 |
| Restaurant | $138 | $1,654 |
| Retail | $62 | $746 |
| Roofing | $369 | $4,426 |
| Security | $132 | $1,587 |
| Snack Bars | $112 | $1,339 |
| Software | $25 | $300 |
| Spa/Wellness | $101 | $1,217 |
| Speech Therapist | $30 | $356 |
| Startup | $27 | $326 |
| Tech/IT | $25 | $301 |
| Transportation | $36 | $429 |
| Travel | $20 | $238 |
| Tree Service | $123 | $1,480 |
| Trucking | $98 | $1,170 |
| Tutoring | $29 | $345 |
| Veterinary | $43 | $511 |
| Wedding Planning | $26 | $316 |
| Welding | $157 | $1,881 |
| Wholesale | $42 | $510 |
| Window Cleaning | $151 | $1,817 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Nebraska General Liability Insurance Costs?
A few important factors influence general liability insurance costs for Nebraska businesses.
Nebraska's Legal and Regulatory Environment
Nebraska ranks eighth in the 2019 Lawsuit Climate Survey for business-friendly legal conditions. The state prohibits punitive damage awards and caps damages on medical malpractice suits and tort claims against political subdivisions. Legal protections lower general liability premiums by eliminating multi-million dollar punitive awards and creating predictable maximum payouts. Insurers price policies more competitively with reduced risk of excessive verdicts.
Nebraska's Severe Weather Risk Profile
April 26, 2024 brought at least six historic tornadoes across eastern Nebraska, with meteorologists issuing 41 tornado warnings in a single day. At least 150 homes were destroyed or damaged in Omaha, with one manufacturing facility collapse trapping 70 workers. Severe weather increases general liability premiums through elevated premises liability when customers sustain injuries from debris or collapsing structures, third-party property damage from windborne objects and post-storm hazards at business locations.
Nebraska's Agricultural Economy Concentration
Net farm income nearly doubled in 2024 to $85,471 from $38,005 in 2023, but remains below the 2021 peak of $504,052. Total farm liabilities climbed 15% in 2024. Nebraska's agricultural concentration affects general liability rates through specialized risks for farm-related businesses including equipment hazards, product liability for crops and livestock, agritourism exposures and chemical risks. The sector's economic volatility creates broader market instability influencing claim frequency and insurer pricing statewide.
How Much General Liability Insurance Do I Need in Nebraska?
Nebraska doesn't mandate general liability insurance for most businesses at the state level. Requirements for commercial general liability exist primarily at the county and municipal level for licensed contractor trades. Electrical contractors must meet state-level requirements, while plumbers, HVAC technicians and building contractors must meet coverage minimums set by Douglas County (Omaha) and Lancaster County (Lincoln).
County-specific mandates establish minimum coverage amounts based on trade and contractor classification.
- Class A and B:: Lincoln's highest contractor classifications must carry $1,000,000 in general liability coverage. Class A and B contractors handle larger residential and commercial construction projects within city limits.
- Class C: Building contractors in this Lincoln classification need $500,000 minimum general liability coverage. Class C covers moderate-scale construction work throughout Lancaster County.
- Class D and E: Lincoln's Class D and E contractors require $300,000 in general liability coverage as a licensing condition. These classifications handle smaller residential projects and repairs.
Nebraska public liability insurance requirements for electricians
The Nebraska State Electrical Division mandates liability coverage of $100,000 per person, $300,000 per accident and $100,000 for property damage. Electrical contracting is the only trade in Nebraska requiring state-level licensing with specified general liability limits.
Public liability insurance requirements for master mechanical contractors in Lancaster County
HVAC contractors holding master licenses in Lincoln must carry at least $500,000 in general liability coverage. The City of Lincoln Department of Building and Safety enforces this requirement alongside a $5,000 surety bond.
Public liability insurance requirements for mechanical contractors in Douglas County
Omaha requires mechanical contractors to secure $300,000 in general liability coverage for licensing. The City of Omaha Planning Department oversees these requirements through its Air Conditioning/Air Distribution board.
Public liability insurance requirements for master plumbers in Lancaster County
Licensed master plumbers working in Lincoln and Lancaster County must maintain $1,000,000 in general liability coverage. Lancaster County requires this coverage as a condition of maintaining active plumbing contractor licenses.
Public liability insurance requirements for building contractors in City of Lincoln (Lancaster County)
Note: State insurance rules change often. Check current requirements with the Nebraska Department of Insurance or talk with a licensed agent before selecting coverage.
How to Choose the Best General Liability Insurance in Nebraska
Choosing general liability coverage in Nebraska requires evaluating your business risks and matching them to appropriate policy limits. Understanding how to get business insurance that covers customer injuries, property damage and legal defense costs protects your financial stability when accidents happen.
- 1Determine Coverage Needs
Nebraska law doesn't require general liability insurance for most businesses, except for licensed contractors in Douglas and Lancaster counties. Standard limits of $1 million per occurrence and $2 million aggregate fit the business insurance coverage needs outlined in most commercial leases and client contracts.
Check your industry regulations and contract terms to decide the level of protection that aligns with your business operations.
- 2Prepare Business Information
Collect your annual revenue figures, employee count, business classification code and physical location details before requesting quotes. Nebraska insurers calculate premiums using your gross sales, payroll expenses, square footage and any subcontractor relationships. Have your EIN, Nebraska business registration and tax identification documents ready to speed up the application process.
- 3Compare Multiple Quotes
Request quotes from at least three Nebraska-licensed insurers since business insurance costs can vary by several hundred dollars annually between carriers. Compare whether defense costs count toward or sit outside your policy limits alongside deductible amounts. Understanding these differences helps you evaluate true coverage value rather than just comparing premium prices.
- 4Look Beyond Price
Choosing your policy based solely on the most affordable business insurance premiums can leave you exposed when filing claims. Read exclusions carefully since Nebraska policies often exclude professional errors, pollution liability and employee injuries that require separate coverage. Check if legal defense expenses reduce your policy limits or sit on top of them.
- 5Verify Insurer Credentials
Confirm insurer licensing through the Nebraska Department of Insurance's company lookup tool and check AM Best financial strength ratings. Review complaint ratios using the state's consumer resources to identify insurers with poor claims-handling records. Strong financial backing matters when facing large liability claims that could threaten your business.
- 6Ask About Discounts
Nebraska insurers reduce premiums by 10% to 25% when you bundle general liability with commercial auto or property coverage. Many carriers offer additional savings for claims-free histories, annual payments instead of monthly installments, or documented safety programs. Implementing employee training programs or safety systems can further reduce your risk profile and lower costs.
- 7Obtain Certificate of Insurance
Commercial leases and client contracts in Nebraska require certificates of insurance before you can start work or occupy space. Most Nebraska insurers provide digital certificates instantly or within 24 hours through online portals. Keep your agent's contact information accessible for urgent certificate requests to avoid project delays.
- 8Review Coverage Annually
Reassess your coverage limits 60 to 90 days before your renewal date, especially after hiring employees or expanding services. Nebraska businesses that grow revenue or add locations may need higher limits to maintain adequate protection. Comparing quotes at renewal prevents paying inflated rates and helps you adjust coverage based on current operations.
Top General Liability Insurance in Nebraska: Bottom Line
Finding the right general liability insurance in Nebraska starts with knowing your specific business needs and researching providers thoroughly. The Hartford, NEXT and Nationwide emerge as leading options, but your ideal choice depends on your industry type, business size and available budget. Compare quotes from multiple insurers and verify their credentials before making your final decision.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Barrett, Tim. "Nebraska Farm Finances in 2024: A Year of Modest Recovery and Growing Financial Pressure." Accessed November 25, 2025.
- Institute for Legal Reform. "2019 Lawsuit Climate Survey: Ranking the States." Accessed November 25, 2025.
- National Weather Service. "Tornado Outbreak of April 26, 2024." Accessed November 25, 2025.
- Nebraska Examiner. "Historic' Nebraska Tornadoes, Storms Leave Damage in Their Wake." Accessed November 25, 2025.
- Nebraska Legislature. "Nebraska Constitution, Article VII, Section 5." Accessed November 25, 2025.
- Nebraska Legislature. "Nebraska Revised Statute § 13-926." Accessed November 25, 2025.
- Nebraska Legislature. "Nebraska Revised Statute § 44-2825." Accessed November 25, 2025.