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Commercial Auto Insurance in Nebraska

Nebraska’s PSC rules set passenger-carrier liability by seat capacity: $500,000 for up to seven seats, $1.5 million for eight to 15, and $5 million for 16 or more. These are Commission-authority rules; they are not a statewide limit schedule for every business vehicle. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Nebraska Requirements

RequirementDetails
PSC passenger-carrier liabilityUp to 7 seats: $500,000; 8–15: $1.5 million; 16+: $5 million 1
Licensed household-goods carrier$750,000 liability plus $5,000 cargo 1

What to Watch for in Nebraska

  • Match Passenger Limits to Rated Seats

    For a PSC-regulated passenger unit, Nebraska changes the minimum at eight and 16 rated seats. Confirm the vehicle’s rated capacity, including modifications, before binding and make sure the authority filing uses that tier. 1

  • Passenger UM/UIM Is an Added Filing

    Nebraska PSC rules add UM/UIM coverage of $100,000 per person and $300,000 aggregate per accident for passenger carriers. Check that the submitted filing includes both this protection and the liability tier for your authority. 1

  • Replace the Cab Card When Equipment Changes

    The Commission issues an annual ID card for each regulated vehicle; adding or replacing a unit requires a new card, and the current card must stay protected from defacement in the cab. Keep insurance filings and the unit card aligned before dispatch. 1

  • Form E Does Not Replace Household-Goods Cargo Proof

    Passenger carriers file insurer Form E; PSC-licensed movers file Form E plus cargo Form H. Nebraska’s rule sets HHG coverage at $750,000 liability and $5,000 cargo, so ask the insurer to send both filings for the right class. 1,2

Who Regulates Insurance in Nebraska

Nebraska Department of Insurance

The Nebraska Department of Insurance oversees insurers and producers and examines insurance complaints. Its online company and producer search is maintained through State Based Systems. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium charged, less return premiums Nebraska’s 3% tax applies to gross premium charged less return premium when the risk is Nebraska’s home-state placement; fees paid to the carrier are taxable, while broker-retained or third-party fees are not. A Nebraska-licensed surplus-lines producer ordinarily must complete due diligence, while exempt-commercial-purchaser provisions permit limited exceptions; federal ECP status alone does not erase the disclosure and subsequent written-request conditions for the federal search waiver. Nebraska policies state that its Property and Liability Guaranty Association will not cover surplus-lines claims. 6,7,8,9

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Nebraska. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15

Questions to Ask Before You Buy in Nebraska

  1. Which PSC passenger class does each vehicle’s rated seat count put it in?
  2. Will our passenger filing include Nebraska’s $100,000/$300,000 UM/UIM limits?
  3. If we move household goods, has the insurer filed both Form E and Form H and registered every unit?

Commercial Auto in Nebraska: FAQ

How much liability insurance does a Nebraska PSC passenger carrier need? 1

The rule sets $500,000 for vehicles rated for up to seven passengers, $1.5 million for eight to 15, and $5 million for 16 or more. It applies to vehicles operated under PSC authority. 1

Does Nebraska require UM/UIM on a regulated passenger carrier? 1

Yes. Nebraska PSC rules require at least $100,000 per person and $300,000 aggregate per accident for passenger carriers, in addition to the applicable liability tier. 1

Commercial Auto in Other States

Other Coverage in Nebraska

Sources

  1. 291 NAC Ch. 3, Motor Transportation Rules & Regulations. Nebraska Public Service Commission; §003.03A–D passenger/HHG tiers; §004.03 annual unit card; §§006.01–.05 continuous insurance, UM/UIM, Form E/H and cancellation filing. Accessed 2026-09-28.
  2. How to Apply for Authority. Nebraska Public Service Commission; Passenger carriers items 2–3; Household Goods Movers items 2–3: Form E, Form E+H and annual intrastate vehicle registration. Accessed 2026-09-28.
  3. Nebraska Department of Insurance. Nebraska Department of Insurance; Official department homepage. Accessed 2026-09-28.
  4. Company and Producer Search. Nebraska Department of Insurance; Nebraska DOI’s state-specific search landing page; identifies SBS as the source for producer and company licensing records. Accessed 2026-09-28.
  5. File a Complaint. Nebraska Department of Insurance; Official complaint filing page; complaint division examines complaints; toll-free hotline 877-564-7323 is in-state only. Accessed 2026-09-28.
  6. Surplus Lines. Nebraska Department of Insurance; Current page states 3% on gross premiums less return premium; carrier fees included, broker-retained/third-party fees excluded; describes due-diligence and ECP/self-procurement rules. Accessed 2026-09-28.
  7. Neb. Rev. Stat. §§44-5501–44-5515. Nebraska Legislature; Surplus Lines Insurance Act; §§44-5502, 44-5509 and 44-5510 address home state, policy notice and due diligence. Accessed 2026-09-28.
  8. Neb. Rev. Stat. §§44-5502, 44-5510 and 44-5515. Nebraska Legislature; ECP definition, diligent-search rules, exempt purchaser filing/tax treatment; federal ECP waiver also requires broker disclosure and subsequent purchaser written request under 15 U.S.C. §8205. Accessed 2026-09-28.
  9. Neb. Rev. Stat. §44-5509. Nebraska Legislature; Required surplus-lines policy disclaimer says Nebraska Property and Liability Guaranty Association will not be liable. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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