WORKERS' COMPENSATION INSURANCE IN OMAHA, NE

Omaha Insurance Services is an independent insurance agency that has helped Omaha businesses meet their workers’ compensation requirements since 1994. We work with multiple carriers to match each business with coverage that fits its industry, payroll, and risk classification.

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Auto Insurance✦ Homeowners Insurance✦ Renters Insurance✦ Life & Health Insurance✦ Commercial Property Insurance✦ Commercial General Liability Insurance✦ Business Auto Insurance✦ Workers' Compensation✦

Types of Workers' Compensation
Coverage We Offer

Medical Expense Coverage

Medical expense coverage pays for the medical treatment of employees injured on the job, including emergency care, surgery, hospital stays, medications, and ongoing rehabilitation. There are no out-of-pocket costs to the injured employee for covered care.

Lost Wage Replacement

Lost wage replacement provides partial income to employees who cannot work while recovering from a job-related injury or illness. It typically pays a percentage of the employee's average weekly wage based on Nebraska state guidelines.

Disability Benefits

Disability benefits provide ongoing income to employees with temporary or permanent disabilities caused by a work-related injury. Coverage levels are determined by the severity of the injury and the employee's ability to return to work.

Vocational Rehabilitation

Vocational rehabilitation covers retraining, education, and job placement assistance for employees who cannot return to their previous role due to a work-related injury. It helps injured workers transition into roles that match their post-injury abilities.

Death Benefits

Death benefits provide compensation to the dependents of an employee who dies as a result of a work-related injury or illness. Benefits typically include funeral expenses and ongoing support for surviving family members.

Employer's Liability Coverage

Employer's liability coverage protects your business against lawsuits filed by employees, families, or third parties related to a workplace injury. It covers legal defense costs and settlements that fall outside standard workers' compensation benefits.

Why Choose Omaha Insurance Services for Workers' Compensation

Serving Omaha Since 1994

We have operated as an independent insurance agency in Omaha since 1994, working with individuals, families, and businesses across the area.

Independent Insurance Agency

We are not contracted to any single carrier. We compare options across multiple companies and recommend based on your coverage needs, not on carrier relationships.

Personalized Service

Each client works directly with a licensed Omaha agent from the first conversation through policy selection.

Competitive Pricing

We compare rates across multiple carriers to find competitive pricing for your coverage level and budget.

Proven Track Record

Since 1994, Omaha families and businesses have trusted us to protect what matters most, and our clients stay with us because we deliver on that promise.

At Omaha Insurance Services, we blend innovation with compassion to protect what matters most. We are committed to our clients, our people, and our community, building trust through service, connection, and care.

Why Do You Need Workers' Compensation Insurance in Omaha?

Meet Nebraska’s legal requirement for businesses with one or more employees
Cover medical costs and lost wages for employees injured on the job
Protect your business from employee lawsuits related to workplace injuries
Support injured workers through recovery, rehabilitation, and return to work

Backed By 30+
Top Rated Carriers

Access reliable coverage from 30+ trusted insurance carriers serving Omaha residents and businesses.

Customer Reviews

    
 
 
         
   Tim Davlin 
 
 
 
 Trustindex verifies that the original source of the review is Google. “I worked with an Agent by the name of Melody Derry and she was professional, polite, patient, knowledgeable, responsive and friendly in a professional manner. She was the only Insurance Agent that asked all the right questions she needed to get me thorough and timely quotes on my automobiles and home. I would recommend Melody to anyone who would ask me for a name of an Insurance Agent that I trust and would do a great job for them.”
  
 
        
   Aslynn Connolly 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking for a new insurance agent PLEASE talk to Jordan Wells. ever since I started the process, he has been nothing but understanding, helpful and accommodating for me. From the beginning, he discussed all of the options in my many questions with no hesitation. in stressful situations, he has been there to calmly help and give me real solutions. He is always available and always answers calls and texts very promptly. He has seriously been a breath of fresh air for me.
  
 
        
   Kayla Rau 
 
 
 
 Trustindex verifies that the original source of the review is Google. Called in based on the reviews, and it definitely lived up to the hype. Melody is the one to talk to! She mentioned she typically likes to give her account managers a few days for quoting, but she got back to me even faster than expected. She and her team are truly awesome!
  
 
        
   Patrick Savage 
 
 
 
 Trustindex verifies that the original source of the review is Google. Zach has managed my insurance for my business for years and I have never been let down. The absolute best in the business and I can’t recommend them enough!!!
  
 
        
   Sandy Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the best Agent I have ever had. She so good at her job and communication.  Very lucky to have her as my agent.
  
 
        
   Doug Finley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary Lamb (my agent) has been the most professional and diligent agent I have ever had. She is responsive at all times and has always been very easy to talk with and get a hold of too. If you ever want a trustworthy and competent agent, she will definitely fit that bill.
  
 
        
   Rose Moore (Anderson US) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary - As always exceptional, professional, and you KNOW your stuff!  You are awesome!
  
 
        
   Lori Sofio 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mary is the Absolute Best I have ever done Insurance Services with! She is always so professional and friendly! She is the very Reason I have, and continue to do Business with Omaha Insurance Services!!
  
 
        
   John Winkler 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family utilizes Omaha Insurance Services for all of our home, auto, boat and recreational vehicles insurance needs.  Customer service is unparalleled and they are uber responsive to any communication.  Mary is the absolute best!!!!!

Questions,
Answered.

Everything Omaha clients ask most — in plain English. If you don’t see yours, our agents are a phone call away.

Is workers' compensation insurance required in Nebraska?

Yes. Nebraska law requires workers’ compensation insurance for nearly every business with one or more employees, whether full-time, part-time, or seasonal. There are limited exceptions for certain agricultural workers, household employees, and federal employees covered by separate programs.

How much does workers' compensation insurance cost in Omaha, NE?

Cost is based on your industry classification, total payroll, and claims history. Higher-risk industries like construction and manufacturing pay higher rates than office-based businesses. An OIS agent can run a free quote comparison across multiple carriers based on your specific business.

What happens if I don't carry workers' compensation in Nebraska?

Nebraska imposes significant penalties on businesses that fail to carry required workers’ compensation coverage, including fines, stop-work orders, and personal liability for the business owner if an employee is injured. Going without coverage is one of the most serious compliance risks a Nebraska business can take.

Are independent contractors covered under workers' compensation?

In most cases, no. True independent contractors are responsible for their own coverage. However, Nebraska law applies specific tests to determine whether a worker is genuinely an independent contractor or a misclassified employee — and misclassification can lead to retroactive penalties.

Can I bundle workers' compensation with my other business policies?

Yes. Workers’ compensation is often combined with general liability, commercial property, business auto, and other commercial coverages for multi-policy discounts and a single point of contact for all of your business insurance needs.

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Protect Your Team
and Your Business

Compare workers’ compensation options based on your state requirements, payroll, industry, and workplace risk.

WORKERS' COMPENSATION INSURANCE IN OMAHA, NE