Nationwide emerged as the top contender for Nebraska’s best general liability insurance in MoneyGeek’s analysis with a score of 94 out of 100. However, The Hartford, NEXT, Thimble, and Hiscox are also great options for best general liability insurance.
Best General Liability Insurance in Nebraska
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in Nebraska is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Nebraska is offered by NEXT at $27 per month. For LLCs, NEXT is the most affordable option at $3 a month.
General liability insurance costs in Nebraska depend on your industry, and we found they can range from $29 to $1,979 per month on average.
Best Cheap General Liability Insurance in Nebraska
| Nationwide | 94 | $36 | $38 |
| The Hartford | 90 | $34 | $53 |
| NEXT | 90 | $27 | $3 |
| Thimble | 85 | $33 | $67 |
| Hiscox | 83 | $32 | $83 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
We selected Nationwide as Nebraska's best general liability insurer based on our study, mainly due to its impressive combination of competitive pricing and superior service quality. Sharing first place for minimal claims ratios according to NAIC data and earning 2nd place for LLC affordability, annual premiums average $456 for reliable business coverage.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT offers Nebraska's most affordable general liability insurance. Sole proprietors benefit from excellent rates at $27 monthly, while LLCs pay just over $30. Though their claims ratio surpasses other Nebraska insurers we've examined, the company shines through its streamlined application process and same-day proof of insurance availability.
How Much Is General Liability Insurance in Nebraska?
An average general liability insurance policy in Nebraska typically costs around $29 per month for sole proprietors and $52 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,132 | $63 |
| General Contractor | $1,979 | $141 |
| Software Development | $52 | $29 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Nebraska
General liability insurance costs can fluctuate based on a number of different factors in Nebraska. In the list below, you can see these factors and their impacts on your coverage costs: Business size, industry risk, location, claims history, and coverage limits all play a role in determining costs.
Policy limits
Insurance premiums often vary with coverage amounts. Opting for higher coverage can lead to increased costs, while choosing lower coverage typically results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and substantial payroll expenses generally face higher general liability insurance costs. This trend is evident in our analysis of LLCs and sole proprietorships.
Business location
Where your business operates can significantly influence insurance costs. State-level average rates may differ between cities, so consider these variations when assessing your coverage needs.
Claims history
A record of multiple claims can make a business seem riskier to insurers, leading to increased premiums.
Industry
Industries with higher risk levels, like construction, often encounter higher general liability insurance costs.
Nebraska General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Nebraska, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by considering your industry, services, customer types, business size and market impact. Assess the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs for your business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business.
- 3
Consult similar businesses
Your business community is your greatest resource. You'll likely be able to get recommendations that are better for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Your business community is your greatest resource, which can give you recommendations that are better for your specific needs. They may also provide ways to mitigate risks associated with general liability insurance so that you may not need more coverage than necessary.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Nebraska?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Businesses in fields like health care, building, or selling goods face more risks. This means they often pay more for general liability insurance. If your company is in one of these areas, or it's a bigger business with many workers or customers, you might need more insurance than the basic amount.
Best General Liability Insurance in Nebraska: Bottom Line
Overall the best general liability insurance companies in Nebraska are Nationwide, The Hartford, and NEXT. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Nebraska: FAQ
Below, we address frequently asked questions regarding general liability insurance in Nebraska:
Which company has the best general liability insurance in Nebraska?
MoneyGeek's leading choice for general liability insurance in Nebraska is Nationwide, which earned an overall score of 94 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Nebraska?
NEXT offers the most affordable general liability insurance in Nebraska for both business types. Sole proprietors pay an average of $324 per year, while LLCs pay just $36 annually — making NEXT the clear winner for budget-conscious businesses.
Does Nebraska require businesses to have general liability insurance?
Nebraska doesn't legally require businesses to carry general liability insurance. However, you may need coverage to obtain professional licenses, sign contracts with larger companies, or lease office space.
How We Chose the Best General Liability Insurance Providers in Nebraska
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.