Nebraska Hired and Non-Owned Auto Coverage

For a Nebraska peer-to-peer car-share, the owner and driver must be insured during each sharing period, and the policy must recognize the program use or not exclude it. The program’s financial responsibility is available only during that period and may end after the stated termination time. A business arranging a work trip should verify the enrolled driver, exact pickup and return times, and how its HNOA policy treats a vehicle booked through a sharing platform.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Nebraska Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Sharing agreement times	Record the platform agreement’s exact start and termination times and ensure the trip remains within the sharing period for the entire business use. ^2,¹

What to Watch for With Hired and Non-Owned Auto in Nebraska

The sharing program must secure coverage for both owner and driver
Nebraska requires a peer-to-peer vehicle-sharing program to ensure that, during each sharing period, both the vehicle owner and driver are insured under a motor-vehicle liability policy meeting state minimums. The policy must recognize that the auto is used through the program or contain no exclusion for that use; the owner, driver or program may provide the coverage. Ask which contract supplies it and whether the business is an insured under its separate HNOA policy. ¹
Program financial responsibility ends with the sharing period
The sharing agreement must disclose that program financial responsibility is available only during the sharing period and that an owner or driver may have no coverage for use after the termination time. Build a return buffer and confirm an extension before driving beyond the booked window; do not assume the platform’s protection follows an employee on a late return or separate business stop. ²
The agreement must warn that a personal policy may not cover the shared vehicle
Nebraska requires the sharing agreement to disclose that an owner’s motor-vehicle liability insurance may not cover the vehicle. A business should not treat the employee’s personal policy or HNOA declaration page as proof that the platform’s sharing-period conditions are met; get written confirmation from the platform and the business insurer for the planned use. ²
A cross-border trip can trigger higher financial-responsibility minimums
Nebraska law makes the sharing-period coverage primary for a claim in another state whose minimum financial-responsibility amounts exceed Nebraska’s, and requires the sharing-period coverage to satisfy the difference up to applicable policy limits. If the employee will cross a state line, confirm that the program’s stated policy limits are adequate for the destination’s minimums and ask the HNOA broker about the business policy’s scope. ¹

Providers With Nebraska License Records

These providers publish a national listing for Hired and non-owned auto; the license records below name the licensed entities and roles. 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.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 877-564-7323

Surplus-Lines Tax and Stamping Office in Nebraska

Reported tax rate. 3% of gross premium charged, less return premiums ^6,^7,^8,⁹

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.

Questions to Ask Before You Buy Hired and Non-Owned Auto in Nebraska

Is the trip booked through a peer-to-peer sharing program or a conventional rental company?
Who provides liability coverage to the owner and driver for this sharing period, and does the policy recognize program use?
What exact time does platform coverage start and end, and what is the process to extend the period?
Does the business HNOA contract cover the business’s liability arising from this specific sharing arrangement and employee use?

Hired and Non-Owned Auto Insurance in Nebraska: FAQ

Does Nebraska peer-to-peer coverage continue after the listed end time?

The agreement must disclose that program financial responsibility is available only during the sharing period and that an owner or driver may have no coverage after the termination time. Confirm any extension before the scheduled end. ²

Can an employee assume a personal policy covers a Nebraska shared car?

No. The statute requires a disclosure that the owner’s motor-vehicle liability insurance may not cover the shared vehicle. Review the program’s coverage and the actual HNOA contract for the work trip. ^2,¹

Sources for Hired and Non-Owned Auto Insurance in Nebraska

1
Neb. Rev. Stat. §60-3404, Peer-to-peer vehicle sharing program; liability insurance. Nebraska Legislature; Subsecs. (1)–(3), sharing-period coverage, minimums and out-of-state claims; current text accessed 2026-09-28. Accessed 2026-09-28.
2
Neb. Rev. Stat. §60-3411, Peer-to-peer vehicle sharing agreement; disclosures. Nebraska Legislature; Subsec. (1)(c)–(f), period termination, fees and personal-auto warning; current text accessed 2026-09-28. 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.

Nebraska Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

Nebraska Hired and Non-Owned Auto Insurance Requirements

What to Watch for With Hired and Non-Owned Auto in Nebraska

The sharing program must secure coverage for both owner and driver

Program financial responsibility ends with the sharing period

The agreement must warn that a personal policy may not cover the shared vehicle

A cross-border trip can trigger higher financial-responsibility minimums