Commercial Auto Insurance in Nebraska

For business owners and operators in Nebraska, having commercial auto insurance is essential to protect your company’s vehicles, employees, and finances. Drivers in the state often deal with long highway routes, changing weather conditions, and heavy farm or delivery traffic, making safe driving practices and having the right protection very important.

GEICO offers a wide range of coverage options for various types of businesses and vehicles, making it easy for nearly any organization to create a plan that suits its unique needs and keeps operations running smoothly.

What is Commercial Auto Insurance in Nebraska?

Commercial auto insurance is a type of insurance that protects vehicles used for work. It differs from personal auto insurance, which focuses on everyday driving and doesn’t offer the same level of protection.

In Nebraska, all business owners who use vehicles for work are required to have liability coverage, which helps cover injuries or property damage in the event of an accident. Even if driving isn’t a main part of your business, using a vehicle for deliveries, client visits, or other work tasks—no matter how often—usually means you need this insurance. It’s also essential to ensure that all employees who drive your business vehicles are included on the policy, so everyone is adequately protected.

With GEICO’s commercial auto insurance, policyholders can also drive vehicles for personal use without needing a separate policy.

Who Needs Commercial Auto Insurance in Nebraska?

Since you need commercial auto insurance if you drive a vehicle for work, many different jobs and businesses require this coverage. Whether you manage several delivery vehicles or just use your personal car occasionally to meet clients, this insurance can be very important. A few types of professionals who need commercial auto insurance include:

• Electricians, plumbers, and HVAC professionals who drive to customer locations with tools and equipment.
• Carpenters, painters, and other contractors transporting supplies to job sites.
• Landscapers and plow services operating trucks and trailers for outdoor projects.
• Caterers and food vendors, including food trucks, require protection for their vehicles and permanently attached equipment. Food spoilage, food-borne illness, product liability, equipment breakdowns, and allergic reactions are not covered.
• Long-haul trucking operations that travel across state lines with commercial cargo.
• Other businesses, like real estate agents and sales professionals, who regularly drive for work-related appointments.

Minimum Nebraska Commercial Auto Insurance Requirements

Minimum commercial auto insurance in Nebraska requires businesses to have a certain amount of liability coverage to legally operate vehicles for work purposes. Liability coverage is the only mandated insurance type because it protects other people and their property in the event that your business vehicle causes an accident.

Optional Commercial Auto Coverages & Add-Ons in Nebraska

While Nebraska’s minimum liability coverage provides business owners with a basic level of protection, many opt for more complete coverage. GEICO offers many optional add-ons that can expand your insurance to better protect your business and your employees:

• Collision Coverage: Covers damage to your vehicle if you hit something or are in a crash.
• Comprehensive Coverage: Pays for things like theft, vandalism, or weather damage.
• Medical Payments Coverage: Helps pay medical bills for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if another driver doesn’t have insurance coverage.

FMCSA and USDOT Compliance in Nebraska

The FMCSA, or Federal Motor Carrier Safety Administration, and the USDOT, or the United States Department of Transportation, are government agencies that establish rules and safety standards for businesses operating commercial vehicles. Compliance with these rules is crucial for business owners in Nebraska, as failure to follow them can result in fines, legal issues, or even the shutdown of your business.

Commercial auto insurance helps ensure that vehicles and drivers are adequately covered, protecting the company and supporting compliance with federal and state laws.

Types of Vehicles Covered in Nebraska

GEICO offers commercial auto insurance for a wide range of vehicles, allowing various businesses to receive the coverage they need. Some vehicles, such as food trucks, have additional factors to consider that can impact your policy, so be sure to research your needs and create a plan accordingly. Types of vehicles commonly insured by GEICO include:

• Business Vehicles – Cars, pickup trucks, or SUVs used for deliveries or running errands.
• Contractor Vehicles – Work vans or trucks used to carry tools and equipment.
• Delivery & Service Vehicles – Vehicles used for things like delivering goods or fixing appliances.
• Food Trucks & Restaurant Vehicles – Food trucks, catering vans, and vehicles used for food delivery. These vehicles may want to consider adding a General Liability policy for coverage that moves with them. Policyholders can also add business personal property protection to General Liability to cover additional business items.
• Heavy Trucks: Big vehicles like tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight.
• Owner-Operator Trucks: Trucks or vans that are run by independent drivers, even if leased to a company.
• Non-Trucking Liability: Covers trucks when they aren’t hauling anything or working.
• Specialty Vehicles: Unique vehicles like refrigerated trucks or buses.

Factors Affecting the Cost of Nebraska Commercial Auto Insurance

The average cost of commercial auto insurance in Nebraska is typically lower than the national average because the state has less traffic and fewer accidents compared to larger, busier states. But even with these averages, personal factors specific to your business will have a bigger effect on the premium you actually pay:

• Type of Work You Do – Jobs like delivery or construction may cost more to insure.
• Type of Vehicle – Bigger or special-use vehicles (like box trucks or food trucks) are often more expensive to insure.
• Driving History – If your drivers have clean records, you’ll likely pay less. Accidents or tickets can raise your rate.
• How Far You Drive – If your vehicle travels long distances or goes through busy areas, your costs may increase.
• Coverage Amounts – More coverage means better protection, but it also raises your premium. Choosing the lowest legal limits may be less expensive, but it provides less protection in the event of a serious accident.

Also, it’s important to keep in mind that the size of a settlement generally doesn’t impact insurance costs. However, other factors, like at-fault vs. not-at-fault accidents, do.

How to Save on Commercial Auto Insurance in Nebraska

Regardless of how the factors above affect your rate, the most effective way to save on commercial auto insurance is by taking advantage of available discounts. GEICO offers a wide range of savings opportunities, providing almost every policyholder with the opportunity to lower their costs.

• Pay in Full: You can save money by paying your entire bill at once instead of monthly payments.
• DriveEasyPro Rewards and Savings: Our telematics program can reward you with lower rates for safe driving. DriveEasy Pro is designed to help you understand your driving habits and may help you unlock savings.
• Vehicle Equipment Features: Business vehicles with certain safety features such as anti-lock brakes, airbags, anti-theft devices, or auxiliary running lamps may qualify for lower rates.
• Good Driving Record: Drivers with clean driving records may qualify for lower rates because they’re less likely to be involved in accidents.
• Defensive Driving Discount: Eligibility varies by state, but completing a defensive driving course may help you save even more.
• CDL Experience Discount: Based on the number of drivers with a Commercial Driver’s License (CDL), your business may be eligible for extra savings.

Why Choose GEICO for Nebraska Commercial Auto Insurance?

GEICO is the top choice for commercial auto insurance in Nebraska because it is reliable, provides excellent customer support, and offers flexible coverage options.

For example, GEICO has served business owners in many different industries for decades, stepping in to help when they need it most. Plus, with a dedicated live support team, and personalized help, it’s easy to get the assistance you need exactly when you need it. GEICO also covers a wide range of vehicles and professions, and its flexible payment plans make it simple for business owners to get the coverage they need on a schedule that fits their budget.

How to Get a Nebraska Commercial Auto Insurance Quote from GEICO

With GEICO, getting started with commercial auto insurance is simple and straightforward. You can complete the process online or by phone in just a few minutes.

Don’t leave your business and hard-earned finances at risk—get your free quote today!