Nebraska Public Construction Bonds

Nebraska requires surety security when public-building projects over $15,000 for the State and over $10,000 for local public bodies; payment bond at least equal to the contract price. Nebraska’s bond beneficiaries include laborers, mechanics, suppliers, and equipment lessors where mechanics’ liens are unavailable; claimants generally need timely written notice and suit.

What Is Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. Read the national Surety bonds guide.

Nebraska Surety Bonds Requirements

Requirement	Details
Public construction security	Public-building projects over $15,000 for the state and over $10,000 for local public bodies; payment bond at least equal to the contract price. ¹

What Should You Watch for With Surety Bonds in Nebraska?

Check the Nebraska Contract Trigger
Nebraska law triggers public-work security when public-building projects over $15,000 for the State and over $10,000 for local public bodies. Payment bond at least equal to the contract price Ask the contracting agency to confirm whether your project falls under this rule and to state the bond penal sum in the bid documents. ¹
Nebraska Has Another Bond Rule for This Work
Nebraska’s bond beneficiaries include laborers, mechanics, suppliers, and equipment lessors where mechanics’ liens are unavailable; claimants generally need timely written notice and suit. Before binding the surety, match the required obligee, bond form, and covered obligation to this separate rule. ²
Match the Solicitation’s Bond Form
The Neb. Rev. Stat. §52-118 governs this statutory obligation, while the project solicitation identifies the obligee, filing deadline, and any bid-security details. Get the final form approved before the bid date and confirm that the named surety is authorized for Nebraska work. ^1,²

Which Surety Bonds Providers Have Nebraska License Records?

These providers publish a national listing for Surety bonds; 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.

TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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
TechInsurance arranges surety bonds for small businesses.

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.

What Should You Ask Before Buying Surety Bonds in Nebraska?

Which Nebraska statute or procurement rule triggers this bond for our project, and what is the exact penal sum?
Will the obligee accept another form of security, and who must approve that substitution in Nebraska?
What notice, filing, and claim deadlines should our subcontractors and suppliers track under this bond?

Surety Bonds in Nebraska: Frequently Asked Questions

When does a Nebraska public construction project require a surety bond?

Public-building projects over $15,000 for the state and over $10,000 for local public bodies. Payment bond at least equal to the contract price ¹

Does Nebraska have another bond requirement beyond the public construction bond?

Yes. Nebraska’s bond beneficiaries include laborers, mechanics, suppliers, and equipment lessors where mechanics’ liens are unavailable; claimants generally need timely written notice and suit. ²

Sources for Surety Bonds in Nebraska

1
Neb. Rev. Stat. §52-118. Neb. Rev. Stat.; Neb. Rev. Stat. §52-118. Accessed 2026-09-29.
2
Neb. Rev. Stat. §52-118.01. Neb. Rev. Stat.; Claim and notice deadlines for payment-bond claimants. Accessed 2026-09-29.
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 Public Construction Bonds

What Is Surety Bonds?

Nebraska Surety Bonds Requirements

What Should You Watch for With Surety Bonds in Nebraska?

Check the Nebraska Contract Trigger

Nebraska Has Another Bond Rule for This Work

Match the Solicitation’s Bond Form