Commercial auto insurance in Nebraska

Any Nebraska company that uses vehicles for business purposes must insure them appropriately. Commercial auto insurance covers vehicles specifically owned by your business.

Your personal auto insurance policy covers you while driving to and from work, but not while making deliveries, picking up supplies, and other work-specific uses.

A business auto policy (BAP) is a type of coverage that goes beyond traditional commercial auto insurance and covers all vehicles used by a business. A BAP would cover you and your personal, leased, or rented vehicles if you’re at fault for an accident during a work-related errand.

Any vehicles you own solely for work purposes must be covered by a commercial auto policy, whether you own a landscaping pickup, a food truck, or a fleet of company cars.

If you’re using your own vehicle for work-specific activities, your personal auto policy wouldn’t cover you in the case of an accident.

That’s why many small business owners purchase hired and non-owned auto (HNOA) insurance. This liability policy covers accidents in personal, leased, and rented vehicles used for work purposes.

If you or an employee gets into an accident while driving a personal car for a work errand, your HNOA coverage would help pay for any claims or lawsuits against your business.

However, this type of insurance will not cover damage to the vehicle used by your business.

Your business could be in legal and financial jeopardy without commercial auto insurance coverage. In Nebraska, all vehicles are required to carry auto liability insurance.

If one of your business vehicles is at fault in an accident, you could face an expensive lawsuit or settlement. You’d likely have to pay for damage to the other vehicle or property, medical costs, lost wages, pain and suffering, plus other related costs.

Additionally, you could face severe penalties for not carrying auto insurance. Driving without insurance in Nebraska is considered a class II misdemeanor and could result in a suspension of license plates and/or vehicle registration and reinstatement fees.

All vehicles in the state of Nebraska are required to have a minimum amount of auto liability insurance coverage, whether they’re for personal or business use.

Nebraska's minimum auto liability insurance requirements are:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Nebraska also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident.

Your insurance agency might recommend higher liability coverage limits based on the types of vehicles you own and how they’re used.

Semi-trucks, utility trailers, cargo trailers, and other vehicles with a Nebraska Department of Transportation serial number will have additional liability coverage requirements, depending on the type of vehicle and how it’s used.

You can see if your business needs to comply with additional requirements by checking your USDOT number or docket number with the Federal Motor Carrier Safety Administration.

From Omaha to Fremont, Insureon makes it easy for business owners to compare quotes for Nebraska commercial auto insurance.

Complete one easy application to review quotes specific to your business and industry from leading U.S. insurance companies.

You can also speak with one of our licensed insurance agents if you have questions about our other important small business offerings, such as workers' compensation, commercial property, or general liability insurance.

Once you pick your small business insurance policies and pay online, you'll receive a certificate of insurance, often within 24 hours.