The Hartford is best for workers' comp insurance in Nebraska, because of its exceptional coverage options and customer service. NEXT and Simply Business offer equally strong alternatives for Nebraska business owners, with NEXT scoring close to our top pick.
Workers' Comp Insurance in Nebraska
The Hartford tops our analysis as the best workers' comp provider in Nebraska with a 4.61 out of 5 overall score.
Compare top Nebraska workers' comp insurance providers and find your ideal coverage.
Select your industry
Select state
Updated: September 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Simply Business rank as the top workers' compensation insurance providers in Nebraska based on overall performance scores.
Your business's specific insurance needs in Nebraska depend on several factors including industry risks, number of employees, previous claims and available budget.
To find the right workers' comp coverage in Nebraska, compare quotes from multiple providers while evaluating their industry expertise, reputation and coverage options.
Best Workers' Comp Insurance Companies in Nebraska
| The Hartford | 4.61 | 1 |
| NEXT Insurance | 4.60 | 2 |
| Simply Business | 4.52 | 3 |
| Coverdash | 4.45 | 4 |
| biBERK | 4.42 | 5 |
| Nationwide | 4.42 | 5 |
| Progressive Commercial | 4.40 | 6 |
| Hiscox | 4.37 | 7 |
| Thimble | 4.35 | 8 |
| Chubb | 4.25 | 9 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on 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.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Select your industry
Select state
LEARN MORE ABOUT BUSINESS INSURANCE IN NEBRASKA
Nebraska businesses often need more than just workers' compensation insurance to stay fully protected. Understanding your complete coverage needs is essential for long-term success and security. Here are valuable resources to help you explore other types of coverage:
Best Nebraska Workers’ Comp Insurance Reviews
The Hartford and NEXT lead the workers' compensation insurance market in Nebraska with exceptional service and coverage options.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$66We analyzed thousands of workers' compensation quotes from insurers operating in Nebraska across 79 industriesOur Survey: Claims Process
4.5/5Rating based on customer satisfaction with claims handlingOur Survey: Recommend to Others
4.5/5Likelihood customers would recommend this provider
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$65Average monthly workers' compensation premium for NEXT Insurance in NebraskaOur survey: Claims process
3.9/5Customer satisfaction rating for NEXT Insurance claims processingOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT Insurance to others
Cheapest Workers' Comp Insurance Companies in Nebraska
Nebraska businesses can get affordable workers' comp insurance from NEXT for $65 monthly ($785 annually). The Hartford and Thimble offer competitive rates at $66 per month each, with minimal price differences between all three providers. The table below shows costs from all companies we analyzed:
| NEXT Insurance | $65 | $785 |
| The Hartford | $66 | $787 |
| Thimble | $66 | $796 |
| Simply Business | $67 | $808 |
| Progressive Commercial | $67 | $809 |
| Hiscox | $68 | $813 |
| Coverdash | $69 | $827 |
| biBERK | $71 | $850 |
| Nationwide | $76 | $917 |
| Chubb | $80 | $961 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Nebraska
Workers' compensation insurance in Nebraska costs businesses an average of $70 per month or $835 annually. Nebraska's rates run $4 below the national monthly average of $74. Your business's actual premium depends on several factors, including industry risk level, number of employees, total payroll and claims history.
Average Cost of Workers' Comp in Nebraska by Industry
In Nebraska, workers' compensation insurance costs vary based on workplace risk levels. Speech therapists pay the lowest premiums at $6 per month, while roofing businesses face much higher rates at $790 monthly. This substantial difference reflects the varying injury risks associated with each industry.
| Accountants | $20 | $234 |
| Ad Agency | $15 | $179 |
| Auto Repair | $143 | $1,719 |
| Automotive | $110 | $1,325 |
| Bakery | $51 | $610 |
| Barber | $13 | $159 |
| Beauty Salon | $14 | $166 |
| Bounce House | $38 | $456 |
| Candle | $38 | $453 |
| Cannabis | $79 | $950 |
| Catering | $69 | $832 |
| Cleaning | $46 | $554 |
| Coffee Shop | $44 | $531 |
| Computer Programming | $26 | $318 |
| Computer Repair | $23 | $275 |
| Construction | $172 | $2,059 |
| Consulting | $29 | $344 |
| Contractor | $157 | $1,887 |
| Courier | $213 | $2,552 |
| DJ | $13 | $158 |
| Daycare | $13 | $152 |
| Dental | $11 | $128 |
| Dog Grooming | $62 | $740 |
| Drone | $26 | $306 |
| Ecommerce | $20 | $245 |
| Electrical | $54 | $653 |
| Engineering | $36 | $432 |
| Excavation | $101 | $1,208 |
| Florist | $58 | $691 |
| Food | $40 | $475 |
| Food Truck | $43 | $516 |
| Funeral Home | $25 | $303 |
| Gardening | $44 | $530 |
| HVAC | $59 | $711 |
| Handyman | $89 | $1,067 |
| Home-based | $9 | $114 |
| Hospitality | $66 | $791 |
| Janitorial | $46 | $548 |
| Jewelry | $28 | $341 |
| Junk Removal | $132 | $1,583 |
| Lawn/Landscaping | $35 | $426 |
| Lawyers | $50 | $595 |
| Manufacturing | $56 | $667 |
| Marine | $142 | $1,707 |
| Massage | $14 | $164 |
| Mortgage Broker | $13 | $158 |
| Moving | $248 | $2,978 |
| Nonprofit | $30 | $363 |
| Painting | $132 | $1,588 |
| Party Rental | $34 | $413 |
| Personal Training | $24 | $285 |
| Pest Control | $67 | $801 |
| Pet | $29 | $350 |
| Pharmacy | $6 | $72 |
| Photography | $16 | $194 |
| Physical Therapy | $7 | $78 |
| Plumbing | $61 | $734 |
| Pressure Washing | $80 | $958 |
| Real Estate | $28 | $341 |
| Restaurant | $60 | $716 |
| Retail | $33 | $400 |
| Roofing | $790 | $9,485 |
| Security | $50 | $594 |
| Snack Bars | $41 | $495 |
| Software | $25 | $302 |
| Spa/Wellness | $16 | $197 |
| Speech Therapist | $6 | $69 |
| Startup | $12 | $149 |
| Tech/IT | $26 | $308 |
| Transportation | $218 | $2,613 |
| Travel | $7 | $79 |
| Tree Service | $209 | $2,514 |
| Trucking | $256 | $3,078 |
| Tutoring | $10 | $114 |
| Veterinary | $19 | $223 |
| Wedding Planning | $27 | $320 |
| Welding | $112 | $1,344 |
| Wholesale | $38 | $457 |
| Window Cleaning | $197 | $2,361 |
How Much Workers' Comp Insurance Do I Need in Nebraska?
In Nebraska, most employers must carry workers' compensation insurance as soon as they hire employees. This insurance helps cover medical expenses and lost wages if workers get injured or sick because of their job.
Businesses that don't maintain proper coverage face fines up to $1,000 for each violation, and employers could face misdemeanor charges in serious cases.
Sole proprietors
Business owners who work independently can opt out of coverage for themselves while still maintaining policies for any employees
Corporate officers
Executives owning at least 25% of company shares may exclude themselves by filing appropriate documentation with the state
Real estate agents
Licensed real estate professionals working on commission qualify as independent contractors and are typically exempt from coverage requirements
Domestic workers
Household employees working fewer than 40 hours per week or earning below the state threshold may be exempt from coverage requirements
Agricultural workers
Small farms with limited seasonal workers or family-only labor often qualify for exemption from standard workers' comp requirements
Professional athletes
Athletes in certain professional sports leagues operate under separate injury coverage systems outside standard workers' comp
Religious organizations
Members of religious orders performing duties for their organization may be exempt from traditional coverage requirements
Remote workers abroad
Employees working permanently outside the United States typically fall under different coverage requirements than domestic workers
How to Get the Best Workers' Comp Insurance in Nebraska
While securing workers' comp insurance in Nebraska might seem daunting, affordable coverage options exist to protect your team and keep business insurance costs in check.
- 1
Check coverage requirements
Most Nebraska businesses must carry workers' comp insurance once they hire employees.
- 2
Collect business details
Prepare accurate payroll records, employee count, and job classifications before requesting quotes. Having correct information prevents audit surprises and ensures proper coverage
- 3
Get multiple insurance quotes
Contact at least three different insurance carriers for quotes. Rates in Nebraska can vary between providers for the same coverage
- 4
Find industry-specific experience
Select insurers who understand your business sector's unique risks. For example, construction companies need carriers familiar with local safety regulations
- 5
Review provider performance
Check each insurer's claim processing speed and complaint history. Look for workplace safety programs and injury prevention resources.
- 6
Examine policy details
Review coverage limits and exclusions. Consider payment options including pay-as-you-go structures that can help manage cash flow
- 7
Schedule annual coverage review
Check your policy yearly because changes in payroll, employee count or business operations can affect your coverage needs.
Nebraska Workers’ Comp: Bottom Line
Nebraska business owners have access to several highly rated workers' compensation insurance providers. The Hartford, NEXT and Simply Business stand out as the leading carriers in Nebraska. Consider getting quotes from each provider to find the best fit for your specific industry, company size and financial requirements.
Nebraska Workers' Comp Insurance: FAQ
Find clear answers to your questions in our comprehensive FAQ section below.
Is workers' comp insurance required for all Nebraska businesses?
Nebraska law requires businesses with one or more employees to carry workers' compensation insurance. Several groups are exempt, including sole proprietors, independent contractors and railroad workers. Employers who fail to maintain coverage face penalties up to $1,000 per violation and potential criminal charges, with willful negligence resulting in Class I misdemeanor charges.
How much does workers' comp insurance cost in Nebraska?
NEXT offers the most affordable workers' comp insurance in Nebraska at $65 per month ($785 annually). Your final premium will depend on your business's risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in Nebraska?
Nebraska workers' comp insurance covers medical expenses and lost wages for work-related injuries or illnesses. Benefits include hospital care, physical therapy, prescriptions and partial wage replacement. The coverage protects employers from lawsuits while providing essential benefits to employees, not independent contractors.
Which workers' comp insurance company is best in Nebraska?
The Hartford leads Nebraska workers' comp providers with a 4.61 overall score, excelling in coverage options and consistent service. NEXT follows at 4.60, featuring superior customer service, while Simply Business (4.52) offers the most comprehensive coverage options. Choose based on your priority: service quality, coverage breadth or overall value.
What happens if I don't have workers' comp insurance in Nebraska?
Operating without workers' compensation insurance in Nebraska is illegal for most employers. Violations can result in fines plus business shutdown orders from the Nebraska Workers' Compensation Court.
Do sole proprietors need workers' comp insurance in Nebraska?
Sole proprietors in Nebraska are exempt from workers' compensation requirements since they're not considered employees. However, some contractors and high-risk industries must carry coverage by law. Many sole proprietors voluntarily purchase policies to protect themselves against work-related injuries and income loss.
How do I choose the right workers' comp insurance company in Nebraska?
Start by requesting quotes from at least three workers' comp insurance providers in Nebraska. Look for carriers with proven experience in your industry sector and check their financial strength ratings. Review their claims handling process, customer satisfaction scores and complaint records through the Nebraska Department of Insurance before making your choice.
How We Scored the Best Workers' Comp Insurance Companies in Nebraska
- Affordability (50%): Cost drives every small business insurance decision in Nebraska's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Nebraska Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Nebraska industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.