Workers' Compensation by state

Workers' compensation requirements in Nebraska

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Does Nebraska require workers' compensation insurance?

Yes. Nebraska requires workers' compensation coverage once a business has one or more employees, under the Nebraska Workers' Compensation Act. Nebraska requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Nebraska requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Failing to carry required coverage can bring fines, possible imprisonment for willful violations, and direct liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and partners, who may elect coverage
Certain agricultural employers and household domestic workers
Some railroad employees covered by federal law

Statutes and sources

Nebraska Workers' Compensation Act

Neb. Rev. Stat. sect. 48-101 et seq.

Regulator: Nebraska Workers' Compensation Court . Last verified 2026-07-29 from the official source .

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