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Trucking Insurance in Nebraska

Nebraska licensed household-goods carriers must carry at least $750,000 in liability coverage plus $5,000 in cargo coverage, filed on separate Form E and Form H certificates. The Commission’s rules require continuous insurance and a policy in the full legal name on the carrier’s permit, so confirm the filings and annual license renewal before accepting an intrastate move. 1,2,3

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Nebraska Requirements

RequirementDetails
Household-goods carrier liabilityAt least $750,000 1
Household-goods cargo insuranceAt least $5,000 1
Commission insurance filingsForm E liability certificate and Form H cargo certificate; coverage must be continuous 1,2

What to Watch for in Nebraska

  • Submit Form E and Form H Separately

    Nebraska's rules designate Form E for liability and Form H for cargo, and the Commission says household movers must file both. Ask your insurer to submit each form and verify the Commission has them before you begin an intrastate household-goods move. 1,2

  • Check the Household-Mover Minimum

    Nebraska sets household-goods carrier liability at no less than $750,000 and cargo coverage at no less than $5,000. Confirm your quote meets both state minimums, then compare cargo protection with the value of the household goods you handle; the filing minimum does not state the full value of every shipment is insured. 1

  • Match the Policy to the Permit Holder

    Nebraska requires the insurance policy or bond to use the full and correct name shown on the carrier's certificate or permit, including all partners for a partnership. Resolve any DBA, entity, or ownership mismatch before the insurer files the proof. 1

  • Keep Coverage Active Through Annual Renewal

    Nebraska household-mover licenses last one year and must be renewed before expiration; the Commission says an expired license no longer authorizes service. Its motor-carrier rules also require continuous insurance and 30 days' written notice to the Commission for cancellation, so coordinate renewal and any carrier change with the insurer before the filing lapses. 2,1

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. 4,5,6

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. 7,8,9,10

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 our business licensed as a Nebraska household-goods mover, and when does that license expire?
  2. Will the insurer file separate Form E and Form H certificates under the exact permit-holder name?
  3. Does our liability limit meet Nebraska’s $750,000 household-mover minimum, and is cargo coverage at least $5,000?
  4. Who will confirm continuous insurance and renewal before the Commission receives a cancellation notice or our license expires?

Trucking in Nebraska: FAQ

What insurance minimums apply to Nebraska household movers? 1,2

At least $750,000 in liability coverage and $5,000 in cargo coverage. The Nebraska Public Service Commission requires household movers to file Form E and Form H with it. 1,2

Does a Nebraska household mover file Form E and Form H? 1,2

Yes. Form E is the motor-carrier bodily-injury and property-damage liability certificate, and Form H is the cargo certificate; the Commission requires both for household movers seeking authority. 1,2

Trucking in Other States

Other Coverage in Nebraska

Sources

  1. Title 291, Chapter 3: Motor Carrier Rules and Regulations. Nebraska Public Service Commission; Rules 003.03(A), 006.03–006.06: household-goods limits, continuous insurance, Form E/Form H, cancellation, policy name. Accessed 2026-09-29.
  2. How to Apply for Authority. Nebraska Public Service Commission; Step 4, Household Goods Movers: Form E, Form H and annual vehicle registration; application timing. Accessed 2026-09-29.
  3. Nebraska Revised Statute § 75-307: Insurance and Bond Requirements. Nebraska Legislature; § 75-307(1)–(3): carriers subject to Commission insurance rules; cargo-insurance scope. Accessed 2026-09-29.
  4. Nebraska Department of Insurance. Nebraska Department of Insurance; Official department homepage. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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