Nebraska Workers Compensation Insurance-Workmans Compensation

Is the employee your about to hire a potential workers comp claim risk to your company? To find out, click on the link below.

Claims Database Query

Based on our experience with workers compensation insurance, we have found that an employee with a history of filing claims with multiple employers, can have a significant impact on your companies workers compensation premium.

Workers Compensation Insurance Rules

Nebraska Workers Compensation Insurance

1. Does my Nebraska business need workers compensation insurance?

The Nebraska Workers' Compensation Act applies to the entire State of Nebraska, from every governmental agency to every employer in the state employing one or more employees in the regular trade, business, profession, or vocation of the employer. Virtually all employees are covered by the workers' compensation law including employees of private industry, state and local government, part-time employees, minors, and employees of charitable organizations.

2. In Nebraska who can exempt themselves from Workers Compensation Insurance?

There are a few exceptions:

* Federal employees, railroad employees, most volunteers, and independent contractor

* Household domestic servants and some employees of agricultural operations are only covered if their employee elects to provide workers' compensation insurance

*Self-employed individuals, sole proprietors, partners, and limited liability company members who are engaged in business on a full-time basis. However, they may elect to be covered by filing a written election with the insurer from whom workers' compensation insurance coverage is obtained.

* Executive officers of Nebraska nonprofit corporations who receive annual compensation of $1,000.00 or less from the corporation are not considered employees of the corporation

3. Does Nebraska workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Independent contractors and Sole Proprietors are not required to carry workers' compensation insurance. This does not relieve them of possible lawsuits from workers who become injured on the job.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

Nebraska Workers Compensation Insurance

Nebraska Workers Compensation Links

News and Legislative Updates
Nebraska Workers Compensation Law
Archived Statutes Center
Nebraska Workers Comp. Forms
Nebraska Rules of Procedure
Quick Facts and Contact Information