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Last-mile delivery insurance in Nebraska

For transportation network companies, Nebraska sets the application-open stage, from log-on until the driver accepts a request to transport a passenger, at $25,000 per person, $50,000 per incident, and $25,000 property damage, plus uninsured motorist coverage. The engaged stage and the passengers-on-board stage are $1 million. Sections 75-323, 75-333, and 75-334 have applied since September 1, 2015, and they define passenger rides. The Department of Insurance says personal auto insurance typically excludes business use or being available for hire. 1,4

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Nebraska Requirements

RequirementDetails
Application-open stage$25,000 / $50,000 / $25,000, plus uninsured motorist 1
Engaged and passengers-on-board stages$1 million 2

What to Watch for in Nebraska

  • The Open Stage Is Not 50/100/25

    Nebraska's application-open minimum is $25,000 for death and personal injury per person and $50,000 per incident, with $25,000 property damage. A quote that imports another state's $50,000/$100,000 bodily-injury floor is not this stage. The $1 million figure starts at the engaged stage and continues while passengers are on board. 1,2

  • Personal Coverage Can Drop While You Are Available

    The Department of Insurance ridesharing alert says personal auto insurance typically excludes business use or when drivers are available for hire, and that personal coverage may be affected whether or not you are on the clock. The application-open stage is exactly that available period. Read the exclusion before log-on, not after a crash. 4

  • The Stages Move a Passenger

    Section 75-323 defines the service and the prearranged ride as transportation of a passenger. The three insurance stages do not describe pickup of food or parcels. Do not price a goods route off the $1 million passengers-on-board stage. 3

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. 5,6,7

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. 8,9,10,11

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Nebraska

  1. Is the application-open limit $25,000/$50,000/$25,000, rather than a $50,000/$100,000 bodily-injury floor?
  2. Does the personal policy exclude being available for hire, as the Department of Insurance alert describes?
  3. Are the engaged and passengers-on-board stages both at $1 million?

Last-Mile Delivery in Nebraska: FAQ

What liability limit does Nebraska require when a transportation-network driver is logged on but has not accepted a ride? 1

$25,000 per person, $50,000 per incident, and $25,000 property damage. That is the application-open stage, plus uninsured motorist coverage. 1

Does Nebraska personal auto insurance typically cover drivers who are available for hire? 4

No. The Department of Insurance says personal auto insurance typically excludes business use or being available for hire. 4

Last-Mile Delivery in Other States

Other Coverage in Nebraska

Sources

  1. Neb. Rev. Stat. § 75-334. Nebraska Legislature; subsection (1); Laws 2015, LB629, § 13. Accessed 2026-09-29.
  2. Neb. Rev. Stat. § 75-333. Nebraska Legislature; subsection (1); Laws 2015, LB629, § 12. Accessed 2026-09-29.
  3. Neb. Rev. Stat. § 75-323. Nebraska Legislature; application open stage, engaged stage, passenger. Accessed 2026-09-29.
  4. Ridesharing? Be Sure to Protect Yourself. Nebraska Department of Insurance; OUT20355, 3/20. Accessed 2026-09-29.
  5. Nebraska Department of Insurance. Nebraska Department of Insurance; Official department homepage. Accessed 2026-09-28.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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