--- title: "Nebraska Umbrella and Excess Liability Guide" description: "Nebraska financial responsibility is $25,000/$50,000/$25,000, and a claimant whose negligence equals the defendants’ negligence recovers nothing." canonical: "https://spot.insure/coverage/umbrella-excess/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/umbrella-excess/nebraska) # Nebraska Umbrella and Excess Liability Guide Nebraska Revised Statute 60-501 sets financial-responsibility amounts of $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for injury to property of others. Section 25-21,185.09 then bars the claimant entirely when the claimant’s contributory negligence is equal to or greater than the total negligence of all persons against whom recovery is sought. Damages are otherwise reduced rather than denied. An umbrella sitting above a Nebraska auto policy should assume the $25,000/$50,000/$25,000 floor, and a claim file should not assume that equal fault still produces a reduced judgment.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Nebraska](/coverage/states/nebraska) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Nebraska Requirements | Requirement | Details | | --- | --- | | Financial-responsibility amounts | Section 60-501 states $25,000 because of bodily injury to or death of one person, $50,000 because of bodily injury to or death of two or more persons, and $25,000 because of injury to or destruction of property of others. Those are the financial-responsibility amounts in that section, not a statutory umbrella limit.[^1] | ## What to Watch for in Nebraska ### Equal negligence is a complete bar Section 25-21,185.09 says contributory negligence does not bar recovery except when the claimant’s contributory negligence is equal to or greater than the total negligence of all persons against whom recovery is sought. In that case the claimant shall be totally barred. The jury is instructed on the effects of the allocation. A 50 percent claimant finding is not a diminished verdict under this section. It is no recovery.[^2] ### The comparison is against everyone from whom recovery is sought The statute compares the claimant with the total negligence of all persons against whom recovery is sought, not with each defendant in isolation. Adding or dropping a defendant can change whether the claimant is equal to that total. Ask counsel who is in that group before you decide the excess layer has no exposure.[^2] ### Keep the umbrella schedule at or above the three statutory amounts Section 60-501’s amounts are $25,000, $50,000, and $25,000. An excess form that warrants a higher underlying limit is a policy condition, not a change to the statute. If the auto policy is written at the statutory floor, confirm the umbrella will accept that floor or quote the gap.[^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.[^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 Umbrella and excess liability; 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. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [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] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Nebraska 1. Is the auto policy at least $25,000/$50,000/$25,000 under section 60-501? 2. Is the claimant’s negligence equal to or greater than the total negligence of all persons against whom recovery is sought? 3. Who is inside that comparison group, and would dismissing one defendant change the bar? ## Umbrella And Excess Liability in Nebraska: FAQ ### Can a Nebraska claimant recover if both sides are equally negligent? No. Section 25-21,185.09 totally bars recovery when the claimant’s contributory negligence is equal to or greater than the total negligence of all persons against whom recovery is sought.[^2] ### What amounts does Nebraska section 60-501 use for financial responsibility? Twenty-five thousand dollars for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for injury to or destruction of property of others.[^1] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maine](/coverage/umbrella-excess/maine) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Nebraska](/coverage/states/nebraska) ## Sources [^1]: [Neb. Rev. Stat. § 60-501, Financial responsibility amounts](https://nebraskalegislature.gov/laws/statutes.php?statute=60-501) — Nebraska Legislature; Proof amounts of $25,000/$50,000 bodily injury or death and $25,000 property. Accessed 2026-09-29. [^2]: [Neb. Rev. Stat. § 25-21,185.09, Civil actions; contributory negligence](https://nebraskalegislature.gov/laws/statutes.php?statute=25-21,185.09) — Nebraska Legislature; Laws 1992, LB 262, § 3: equal or greater contributory negligence totally bars recovery. 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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/umbrella-excess/nebraska.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)