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Fremont, NE Contractor Insurance Guide

Create a wall of protection around your business with contractor insurance.

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Contractor’s General Liability

General liability insurance is one of the most critical coverages because it covers liability risks that can arise from a third party being hurt onsite. The proper liability insurance in Fremont can expand to cover other areas as well

Completed Operations Insurance

This essential protection is often omitted from general liability policies. Completed operations insurance covers claims that may occur after the project is finished that resulted because of work your company performed that resulted in property damage or loss.

Workers Compensation

Workers compensation insurance protects your Fremont, NE employees. This is often the costliest part of a Nebraska contractor’s insurance policy. Rates vary based on the trade among other factors, including the value of the contract.

Vehicle and Equipment Insurance

Vehicle and equipment insurance covers work vehicles and equipment and is necessary to protect your company in case a worker has an accident or a third party harms or damages your property. You will also need this type of coverage for your onsite tools and equipment in case they are vandalized or stolen

What Our Clients Say About Eric Luebbe Insurance Agency

If you want a great agent that has your best interests in mind? Look no further!! Eric is a great agent making sure the customer is number one. There is a reason we stick with him for our insurance needs. Quick responses and even better service!!

Jacob Matteson

Excellent customer service! Eric and staff are always friendly and courteous. Eric looks out for his customers and works with them to ensure that they get the coverage they want at the best cost. Would highly recommend.

Andrea Miller

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Contractor Insurance 101

Learn more about contractor insurance so you can make an informed decision on your coverage.

Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.


Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.


Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.


As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance
Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.


Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.


Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Errors and Omissions

Errors and omissions insurance is designed for claims that may arise from failure to perform required procedures or for unforeseen issues that may arise in daily operations.

Property Insurance

If you own or rent an office or use a job site where you keep your equipment and vehicles, you will need liability insurance as well as property insurance. Property insurance covers the structure and the property.

Pollution Coverage

This type of coverage is relatively new, but with recent changes in the industry, pollution coverage is becoming more common. Claims may arise because of the creation of anything from dust to hazardous materials, and any issue that arises because your Fremont, NE company’s pollution impacted another individual or organization can affect your company unless you have the right coverage.

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Be sure the insurance company you choose for your contractor insurance in Fremont, NE can comply with the needs specific to your industry’s unique requirements. The scope of contractor insurance is broad, and each trade has precise needs depending on the type of project, the overall price of the contract, the type of workers they hire or subcontract, and more. From completed operations insurance to workers compensation insurance in Fremont, NE Eric Luebbe Insurance can help your custom insurance needs.

Eric Luebbe Insurance has more than 15 years of experience in Fremont, NE and can provide the most comprehensive contractor insurance policy customized to your needs. Contact us today for a free quote or a review of your existing policy to be sure you are fully protected and are receiving the best value.

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1152 E 16th Street, Fremont, NE 68025 | 402-721-5454