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MOST REQUESTED COVERAGE’S
Auto Liability, Motor Truck Cargo Coverage, Commercial General Liability, Medical Payments, Uninsured Motorist, Underinsured Motorist
Personal Injury Protection (PIP), Owned Auto, Non-Owned Auto, Hired Auto, Collision Coverage, Comprehensive Coverage and Trailer Interchange
Nebraska Commercial Truck Insurance and Requirements
The state of Nebraska requires commercial vehicle operators to purchase minimum insurance coverage for their vehicles. This coverage helps protect the public in case of an accident caused by a commercial vehicle. It also ensures that businesses and operators can cover the costs of any damages or injuries due to their negligence.
Understanding the insurance requirements for operating commercial vehicles in Nebraska is essential for businesses and commercial vehicle owners or operators. This document will provide an overview of the types of coverage needed, the minimum coverage amounts required by law, and other relevant information.
What is Nebraska Commercial Truck Insurance
Nebraska commercial truck insurance is a type of liability insurance that covers any damage caused by a commercial truck or other vehicle. It provides financial protection to the operator of the truck and any third party who may be involved in an accident. The insurance must meet the minimum coverage requirements established by the State of Nebraska.
What are the Minimum Coverage Requirements
The State of Nebraska requires that all motor carriers operating on public roads have a minimum level of insurance coverage. This coverage is necessary to protect businesses, operators, and the general public from potential risk associated with commercial trucking operations. The minimum coverage requirements are as follows:
• Bodily injury liability – $250,000 per person, $500,000 per occurrence
• Property damage liability – $100,000 per occurrence
• Uninsured/Underinsured Motorist Coverage – $400,000 per person and $900,000 per occurrence
• Personal Injury Protection – $25,000 per person for medical, death and disability benefits
• Unidentified Automobile Liability – $25,000 single limit
• Cargo Insurance – depends on what type of cargo is being carried and varies by case
Other Coverage Requirements
In addition to the minimum coverage requirements listed above, motor carriers may also need additional coverage depending on their specific needs. Some examples might include non-owned trailer coverage, trailer interchange coverage, umbrella liability coverage, motor truck cargo coverage, and motor carrier physical damage coverage.
Limitations on Liability
While motor carriers may be required to have certain levels of liability insurance to comply with state regulations, these policies may not provide unlimited protection. In particular, Nebraska has a limitation on liability for motor carriers of $1 million per occurrence for bodily injury or property damage. In addition, carriers may be limited to only being able to recover the amount of their insurance policy limits if they are found to be at fault for an accident.
Nebraska Commercial Truck Insurance Discounts
Motor carriers may be eligible for discounts on their premiums if they can demonstrate safe driving practices or utilize special services that improve safety on their vehicles. Some potential discounts may include training programs for drivers or participation in drug and alcohol testing programs. Carriers may also be eligible for discounts if they take steps to reduce fuel consumption or incorporate other green technologies into their fleet operations.
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Nebraska business types. >Click here to get your free Nebraska Big Rig Truck Insurance Quote<
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Commercial trucking operations should make sure they understand all of the insurance requirements in Nebraska before they begin operating. This includes making sure that they have adequate coverage to protect themselves, their employees, and the public in case of an accident. Motor carriers should also be aware of any potential discounts that they may qualify for to help lower their premiums. By understanding the insurance requirements and taking proactive steps to ensure they are compliant with all laws and regulations, motor carriers can keep their business running smoothly and safely.