--- title: "Nebraska Public Construction Bonds" description: "Check Nebraska public-work bond triggers, required amounts, acceptable security, and claim protections before you bid." canonical: "https://spot.insure/coverage/surety-bonds/nebraska" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/surety-bonds/nebraska) # 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.[^1][^2] **Coverage:** [Surety bonds](/coverage/surety-bonds) · [Nebraska](/coverage/states/nebraska) ## 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](/coverage/surety-bonds). ## Nebraska 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 to Watch for 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] ## 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] - [Regulator website](https://doi.nebraska.gov/) - [License lookup](https://doi.nebraska.gov/company-and-producer-search) - [File a complaint](https://doi.nebraska.gov/consumer/file-complaint) - Phone: 877-564-7323 ### 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 Surety bonds; 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 that the product is available in Nebraska; [check the regulator’s license lookup](https://doi.nebraska.gov/company-and-producer-search) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in Nebraska 1. Which Nebraska statute or procurement rule triggers this bond for our project, and what is the exact penal sum? 2. Will the obligee accept another form of security, and who must approve that substitution in Nebraska? 3. What notice, filing, and claim deadlines should our subcontractors and suppliers track under this bond? ## Surety Bonds in Nebraska: FAQ ### 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] ## Surety Bonds in Other States - [Alabama](/coverage/surety-bonds/alabama) - [Alaska](/coverage/surety-bonds/alaska) - [Arizona](/coverage/surety-bonds/arizona) - [Arkansas](/coverage/surety-bonds/arkansas) - [California](/coverage/surety-bonds/california) - [Colorado](/coverage/surety-bonds/colorado) - [Connecticut](/coverage/surety-bonds/connecticut) - [Delaware](/coverage/surety-bonds/delaware) - [District of Columbia](/coverage/surety-bonds/district-of-columbia) - [Florida](/coverage/surety-bonds/florida) - [Georgia](/coverage/surety-bonds/georgia) - [Hawaii](/coverage/surety-bonds/hawaii) - [Idaho](/coverage/surety-bonds/idaho) - [Illinois](/coverage/surety-bonds/illinois) - [Indiana](/coverage/surety-bonds/indiana) - [Iowa](/coverage/surety-bonds/iowa) - [Kansas](/coverage/surety-bonds/kansas) - [Kentucky](/coverage/surety-bonds/kentucky) - [Louisiana](/coverage/surety-bonds/louisiana) - [Maine](/coverage/surety-bonds/maine) - [Maryland](/coverage/surety-bonds/maryland) - [Massachusetts](/coverage/surety-bonds/massachusetts) - [Michigan](/coverage/surety-bonds/michigan) - [Minnesota](/coverage/surety-bonds/minnesota) - [Mississippi](/coverage/surety-bonds/mississippi) - [Missouri](/coverage/surety-bonds/missouri) - [Montana](/coverage/surety-bonds/montana) - [Nevada](/coverage/surety-bonds/nevada) - [New Hampshire](/coverage/surety-bonds/new-hampshire) - [New Jersey](/coverage/surety-bonds/new-jersey) - [New Mexico](/coverage/surety-bonds/new-mexico) - [New York](/coverage/surety-bonds/new-york) - [North Carolina](/coverage/surety-bonds/north-carolina) - [North Dakota](/coverage/surety-bonds/north-dakota) - [Ohio](/coverage/surety-bonds/ohio) - [Oklahoma](/coverage/surety-bonds/oklahoma) - [Oregon](/coverage/surety-bonds/oregon) - [Pennsylvania](/coverage/surety-bonds/pennsylvania) - [Rhode Island](/coverage/surety-bonds/rhode-island) - [South Carolina](/coverage/surety-bonds/south-carolina) - [South Dakota](/coverage/surety-bonds/south-dakota) - [Tennessee](/coverage/surety-bonds/tennessee) - [Texas](/coverage/surety-bonds/texas) - [Utah](/coverage/surety-bonds/utah) - [Vermont](/coverage/surety-bonds/vermont) - [Virginia](/coverage/surety-bonds/virginia) - [Washington](/coverage/surety-bonds/washington) - [West Virginia](/coverage/surety-bonds/west-virginia) - [Wisconsin](/coverage/surety-bonds/wisconsin) - [Wyoming](/coverage/surety-bonds/wyoming) [Other Coverage in Nebraska](/coverage/states/nebraska) ## Sources [^1]: [Neb. Rev. Stat. §52-118](https://nebraskalegislature.gov/laws/statutes.php?statute=52-118) — Neb. Rev. Stat.; Neb. Rev. Stat. §52-118. Accessed 2026-09-29. [^2]: [Neb. Rev. Stat. §52-118.01](https://nebraskalegislature.gov/laws/statutes.php?statute=52-118.01) — Neb. Rev. Stat.; Claim and notice deadlines for payment-bond claimants. Accessed 2026-09-29. [^3]: [Nebraska Department of Insurance](https://doi.nebraska.gov/) — Nebraska Department of Insurance; Official department homepage.. Accessed 2026-09-28. [^4]: [Company and Producer Search](https://doi.nebraska.gov/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](https://doi.nebraska.gov/consumer/file-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](https://doi.nebraska.gov/insurers/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](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=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](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=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](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; Required surplus-lines policy disclaimer says Nebraska Property and Liability Guaranty Association will not be liable.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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