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Workers' Compensation for Nebraska Businesses
What are the laws that govern workers’ compensation insurance in Nebraska?
According to the Nebraska state website
“The Nebraska Workers’ Compensation Act applies to the State of Nebraska, to every governmental agency created by it, and to every employer in the state employing one or more employees in the regular trade, business, profession, or vocation of the employer. Thus, virtually all employees are covered by the workers’ compensation law including employees of private industry, state and local government, part-time employees, minors, and employees of charitable organizations.
There are a few exceptions:
Federal employees, railroad employees, most volunteers, and independent contractors are not covered under the Nebraska Workers’ Compensation Act.
Household domestic servants and some employees of agricultural operations are covered under the Nebraska Workers’ Compensation Act only if the employer elects to provide worker’s compensation insurance for them.
Self-employed individuals, sole proprietors, partners, and limited liability company members who are actually engaged in the business on a substantially full-time basis may elect to be covered under the Nebraska Workers’ Compensation Act. To elect coverage such a person must file a written election with the insurer from whom workers’ compensation insurance coverage is obtained.
Executive officers of Nebraska corporations who own 25 percent or more of the corporation’s common stock are not considered employees of the corporation under the Nebraska Workers’ Compensation Act unless they elect to be covered. To elect coverage, a corporate officer must file such election in writing with the workers’ compensation insurer and the corporate secretary (not with the court).
Executive officers of Nebraska nonprofit corporations who receive annual compensation of $1,000.00 or less from the corporation are not considered employees of the corporation under the Nebraska Workers’ Compensation Act unless they elect to be covered. To elect coverage such officers must file a written election with the workers’ compensation insurer and the corporate secretary (not with the court).”
Who is covered by workers’compensation law in Nebraska?
According to the Nebraska state website:
The Nebraska Workers’ Compensation Act applies to the State of Nebraska, to every governmental agency created by it, and to every employer in the state employing one or more employees in the regular trade, business, profession, or vocation of the employer. Thus, virtually all employees are covered by the workers’ compensation law including employees of private industry, state and local government, part-time employees, minors, and employees of charitable organizations.
There are a few exceptions:
- Federal employees, railroad employees, most volunteers, and independent contractors are not covered under the Nebraska Workers’ Compensation Act.
- Household domestic servants and some employees of agricultural operations are covered under the Nebraska Workers’ Compensation Act only if the employer elects to provide worker’s compensation insurance for them.
- Self-employed individuals, sole proprietors, partners, and limited liability company members who are actually engaged in the business on a substantially full-time basis may elect to be covered under the Nebraska Workers’ Compensation Act. To elect coverage such a person must file a written election with the insurer from whom workers’ compensation insurance coverage is obtained.
- Executive officers of Nebraska corporations who own 25 percent or more of the corporation’s common stock are not considered employees of the corporation under the Nebraska Workers’ Compensation Act unless they elect to be covered. To elect coverage, a corporate officer must file such election in writing with the workers’ compensation insurer and the corporate secretary (not with the court).
- Executive officers of Nebraska nonprofit corporations who receive annual compensation of $1,000.00 or less from the corporation are not considered employees of the corporation under the Nebraska Workers’ Compensation Act unless they elect to be covered. To elect coverage such officers must file a written election with the workers’ compensation insurer and the corporate secretary (not with the court).
How do I get workers’ comp for my Nebraska business?
Workers’ compensation insurance in Nebraska can be obtained easily through our free quote service. Once a Nebraska employer obtains workers’ comp insurance or authority to self-insure, the employer is required to post a notice of workers’ compensation insurance advising their employees of the coverage and of the employee’s right to reject this coverage. The employer is also required to supply “rejection” forms for employees.
Nebraska Statistics*
*2017 business stats provided by the Bureau of Labor Statistics
406,745
number of Nebraskans employed by small businesses
20,500
number of workplace injuries
$6.5 billion
beef industry annual revenue
57
average tornadoes per year
2.5 billion
bushels of annual corn production
Nebraska Businesses We Cover with Workers' Comp Insurance

Food & Beverage
Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs
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Tech Services
Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)
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Legal Services
Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription
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General Retail
Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores
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Educational Services
Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services
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Manufacturing
Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)
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Personal Services
Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners
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Clothing Retail
Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops
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Personal Product Retail
Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games
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Medical Professions
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians
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Architecture & Engineering Services
Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)
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Financial Services
Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance
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Scientific Services
Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting
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Office, Home, & Garden
Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists
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Therapeutic Services
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy
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