BUSINESS INSURANCE
Business Insurance in Lincoln, Nebraska
Running a business comes with responsibilities, investments, and risks that can change as your company grows.
At T-Rex Agency, we help business owners in Lincoln and surrounding Nebraska communities explore commercial insurance options for their property, operations, vehicles, and employees.
Whether you’re opening a business, reviewing an existing policy, or looking for additional coverage, our team can help you understand your options.
COVERAGE OPTIONS
Protection for Different Parts of Your Business
Every business has different insurance needs. The right combination of coverage depends on your operations, property, employees, vehicles, and potential liabilities.
General Liability Insurance
General liability insurance can help protect a business against certain covered third-party bodily injury, property damage, and related liability claims.
For example, if a customer is injured at your business and makes a covered liability claim, general liability insurance may help with eligible expenses and legal defense costs, subject to policy terms.
Business Owners Policy (BOP)
A Business Owners Policy commonly combines business property and general liability coverage into one policy.
Depending on the policy, business income coverage and additional protections may also be included or available.
A BOP may be suitable for eligible small and medium-sized businesses seeking multiple types of protection in one package.
Commercial Property Insurance
Commercial property insurance can help protect eligible business buildings, equipment, inventory, furnishings, and other covered property against specified losses.
Coverage depends on the property insured, covered causes of loss, deductibles, and policy terms.
Workers’ Compensation Insurance
Workers’ compensation insurance helps provide benefits for eligible employees who experience covered work-related injuries or occupational illnesses.
Nebraska generally requires employers subject to its Workers’ Compensation Act to secure their compensation obligations, subject to applicable exceptions and authorized alternatives.
Commercial Auto Insurance
Commercial auto insurance can help businesses address liability and physical damage risks involving vehicles used for business operations.
Depending on the vehicle and its use, a personal auto policy may not provide appropriate protection.
Commercial auto coverage options vary by policy and business circumstances.
Additional Commercial Insurance Options
Some businesses may also need more specialized protection, such as:
Commercial umbrella liability
Cyber liability
Professional liability / Errors and Omissions
Business income coverage
Equipment breakdown
Inland marine or tools-and-equipment coverage
Commercial crime
Other industry-specific coverages
These are examples of possible commercial insurance solutions, not a guarantee that every product is offered by Farmers or available to every applicant through this agency. Actual options may depend on underwriting eligibility, carrier availability, and state requirements.
BUSINESSES WE HELP
Coverage Options for Many Types of Businesses
The insurance needs of a contractor can differ significantly from those of a restaurant, office, or retail store.
Our team can help review the risks associated with your business and explore available insurance options.
Contractors and Trades
Businesses that perform construction, installation, maintenance, and other trade services may need liability coverage, tools-and-equipment protection, commercial auto, and workers’ compensation.
Retail Stores
Retail businesses may need protection for customer injuries, inventory, equipment, and covered interruptions to operations.
Restaurants and Food Service
Food service businesses may face risks involving customers, equipment, property, operations, and employees.
Professional Offices
Offices and professional service businesses may need property, liability, cyber, and certain professional liability protections, depending on their operations.
Commercial Property Owners
Owners of rental or commercial real estate may need property coverage, premises liability protection, and other options related to building operations and rental income.
Service-Based Businesses
Businesses providing cleaning, maintenance, consulting, or other services may benefit from reviewing liability, property, vehicle, and specialized coverage options.
These examples describe possible insurance needs. Eligibility and coverage availability depend on the insurer, underwriting, and the specifics of your business.
REVIEW YOUR COVERAGE
As Your Business Changes, Your Coverage May Need to Change Too
A policy that fit your business when it first opened may not reflect its current operations.
New Equipment or Property
Purchasing additional equipment, inventory, or property may change what needs to be insured.
Hiring Employees
Adding employees can introduce new insurance considerations, including workers’ compensation obligations.
New Business Vehicles
Purchasing or using vehicles for business activities may require reviewing commercial auto coverage.
Expanding Operations
Moving locations, adding services, or taking on new contracts may change your business’s liability and property exposures.
Have your operations changed? Our team can help you review your existing commercial coverage and explore available options.
GETTING STARTED
Business Insurance Doesn’t Have to Be Complicated
1
Tell Us About Your Business
Share the type of business you operate, its activities, and the coverage you’re interested in reviewing.
2
Explore Available Options
Our team can discuss relevant coverage types, limits, deductibles, and available quote options.
3
Review Your Coverage
We’ll help you understand the available proposal and answer questions before you make a decision.
FREQUENTLY ASKED QUESTIONS
Common Questions About Business Insurance
YOUR LOCAL LINCOLN AGENCY
Let’s Talk About Protecting Your Business
Whether you’re launching a new business or reviewing your current insurance, our team can help you explore available commercial coverage options.
Coverage availability, policy conditions, exclusions, deductibles, and limits vary. A request does not guarantee eligibility, coverage, or a quote.