How does workers' comp work in Nebraska?

Many employers and small business owners are misinformed about Workers' Compensation Insurance. In all 50 states it is required by law, but most employers don't know exactly what Workers Comp covers.

We have broken down this process in to easy to understand informational topics specific to Nebraska employers. These topics cover what workers comp is, who it helps and how it protects your business. These topics help employers know what they are buying and how to get it at the best rates in the industry.

If you are ready for a quote feel free to contact a specialist at 888-611-7467. We want to be your source for workers compensation information, rates and quotes in Nebraska.

Workers' Comp Rules & Information for Nebraska

State Insurance Directives Regarding Covid-19

No new changes to coverage rules in Nebraska.

Discretionary order in effect from 03/13/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Nebraska Department of Insurance

Terminal Building
941 O Street, Suite 400
Lincoln, NE 68508-3639

What is Workers Compensation?

One of the most important legal concepts with regard to workers' compensation insurance is that it is the 'exclusive remedy' for a workers compensation claim when an employee is injured on the job. This means that employers who purchase coverage can not be held liable for employee injuries in most states, except under narrow circumstances whereas the employer intended to cause injury to the employee or was willfully neglectful.

Nebraska Workers' Compensation Court

The mission of the Nebraska Workers' Compensation Court is to administer and enforce all provisions of the Nebraska Workers' Compensation Act, except those provisions that are committed to the courts of appellate jurisdiction or as otherwise provided by law. The Nebraska Workers' Compensation Court is composed of seven judges who are initially appointed by the governor. A judge is then subject to a retention vote by the electorate three years after his or her appointment and every six years thereafter.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Workers Compensation Class Codes

According to a recent report, 2 out of 5 employers are likely misclassified into an NCCI class code with higher rates than the correct code. One of the primary components of pricing workers' compensation insurance is classifying a risk or workplace exposure within the proper NCCI workers compensation class code. Incorrect risk classifications by insurance agents and/or underwriters often results in premium that is higher or lower than it should be. Sometimes payroll is reclassified at the time of audit.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Nebraska Work Comp Information

Nebraska Insurance Plan

The Nebraska Workers Compensation Insurance Plan (NWCIP) exists for employers unable to find coverage from a voluntary market. Travelers administers this plan and rates are almost always higher than coverage from a private company. We help employers leave the NWCIP.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Nebraska.

What Does Workers' Compensation Insurance Cover?

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Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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