Often called ‘workmans’ comp insurance’, this insurance does exactly what its name implies: protects employees. This is the coverage that acts in the interest of the worker, offering compensation for work-related injury or illness, including medical costs, rehabilitation, a portion of lost wages, and death benefits.
In most cases, businesses with employees are obligated, legally, to carry this type of insurance, whether through a self-basis, a commercial insurance carrier, or a state program.
Generally, outside of agriculture, every employer in Nebraska with one or more employees needs to carry a Workers' Compensation policy. This includes employees of private industry, state and local government, part-time employees, minors, and employees of charitable organizations.)