Nebraska truck insurance from people who only insure trucks
State & Co Insurance LLC is a family-owned independent agency, and trucking insurance is all we do. Since 2010 we have helped owner-operators and small fleets get the right coverage at a fair price, with access to 15+ A-rated carriers and licenses in 34 states. When you call, you talk to someone who knows the difference between a BMC-91 and a UCR filing.
Nebraska is I-80 country. The interstate runs the full length of the state, carrying coast-to-coast freight through Omaha, Lincoln, Grand Island, and North Platte, and I-29 clips the eastern edge while I-76 feeds in from Colorado. This is cattle and corn country: beef packing plants, feedlots, grain elevators, and ethanol all generate steady truck traffic, and Omaha’s distribution and rail connections anchor the east end. Long hauls, wide-open highway, and weather that can turn in an hour, that is Nebraska trucking.
Coverage built for Nebraska truckers
- Primary liability. The FMCSA requires at least $750,000 for general freight, and most Nebraska shippers and brokers will not load you without $1,000,000. We write the limit your contracts demand, not just the legal floor.
- Cargo. Grain, meat, and refrigerated food move in volume here. We match cargo limits to what your customers require, usually $100,000, and add reefer breakdown coverage for temperature-controlled loads.
- Physical damage. Hail season and winter ice are hard on equipment across the plains. We write stated value or actual cash value coverage with deductibles you can live with.
- Non-trucking liability (bobtail). For leased-on drivers running personal miles between loads, this covers you when you are not under dispatch.
- Trailer interchange. If you pull someone else’s trailer, including drop-and-hook work out of Omaha distribution centers, this covers physical damage to the trailer while it is in your care.
- Workers comp / occupational accident. Nebraska requires workers compensation insurance for employers with even one employee in most cases. Solo owner-operators with no employees can carry occupational accident instead, which most contracts accept.
- General liability. Covers what happens off the truck, like a slip at a shipper’s dock or an incident at a feedlot or packing plant.
New authority in Nebraska
- BMC-91 filing. We handle your FMCSA liability insurance filing, which is required before your new MC number can go active. We submit it directly so there is no delay on your end.
- UCR registration. Nebraska participates in the Unified Carrier Registration program, so interstate carriers pay their annual UCR fee based on fleet size. We remind new carriers about it because missing it leads to roadside fines.
- Minimum limits warning. The federal minimum is $750,000 liability for general freight and $300,000 for household goods movers, but almost no broker or shipper will accept those minimums. Expect to carry $1,000,000 liability and $100,000 cargo to get loaded, and price your first year accordingly.
What truck insurance costs in Nebraska
A typical experienced owner-operator running general freight pays roughly $12,000 to $18,000 per year for a full package of liability, cargo, and physical damage. New authority usually runs $18,000 to $30,000 or more in the first year because carriers price new ventures higher. One Nebraska-specific note: livestock hauling and other specialized ag work can price differently than dry van freight because the cargo exposure and equipment are different, so tell us exactly what you haul before we quote. The only way to know your number is a real quote, and ours are free.
Cities we serve across Nebraska
- Omaha. The state’s biggest freight market, with distribution centers, rail connections, and food processing on I-80 and I-29.
- Lincoln. State capital on I-80 with manufacturing, agriculture, and steady regional freight.
- Grand Island. Central Nebraska hub for meatpacking and grain, with heavy I-80 and US-281 truck traffic.
- North Platte. Western Nebraska rail and freight town right on I-80, a natural stop for coast-to-coast runs.
- Kearney. Growing distribution point on I-80 in the middle of the state, serving agriculture and manufacturing.
Why truckers use an independent agent
We are independent, which means we shop your policy across 15+ A-rated carriers instead of selling you the one company we work for. At renewal, we re-shop it again, so your price stays honest year after year. One phone call handles additions, deletions, filings, and certificates. And when there is a claim, you call us, not a 1-800 number that puts you on hold.
Frequently asked questions
How much does truck insurance cost in Nebraska?
An experienced owner-operator with a clean record usually sees $12,000 to $18,000 a year for a full package. New authority starts around $18,000 to $30,000 or more in the first year. Your record, cargo type, and operating radius drive the final number.
What are the minimum truck insurance limits in Nebraska?
Federal minimums are $750,000 in liability for general freight and $300,000 for household goods movers. In practice, shippers and brokers almost always require $1,000,000 in liability and $100,000 in cargo before they will load you.
Can I get insurance with a brand new MC number?
Yes. We insure new authorities every week, file your BMC-91 with the FMCSA, and help you meet shipper requirements from day one. Expect first-year rates to be higher while you build a track record.
Do I need workers comp in Nebraska as a one-truck owner-operator?
Workers comp requirements depend on your situation. Solo owner-operators with no employees typically carry occupational accident coverage instead. Contact us at (980) 475-8075 and we will tell you exactly what your operation needs.
I haul livestock or refrigerated meat. Does that change my insurance?
Yes. Livestock and reefer hauling carry different cargo and equipment exposures than dry van freight, and reefer breakdown coverage is worth having before a unit fails on a hot load. We write these policies regularly and know what the packing plants require.
How fast can I get covered and rolling?
For a straightforward owner-operator policy we can usually quote the same day and bind coverage within 24 to 48 hours once we have your driver information, truck details, and MC authority status. New authority filings take longer because the FMCSA has its own timeline.
State & Co Insurance LLC
11220 Elm Lane Suite 202, Charlotte, NC 28277
(980) 475-8075 | kevin@statecoinsurance.com
