Asset Shield Insurance steel shield logo, an agency for commercial auto insuranceAsset Shield Insurance
A white cargo van and a gray pickup with a ladder rack parked on gravel in an equipment yard at dusk., illustrating commercial auto insurance

Commercial Auto Insurance For Nebraska Businesses

If your company owns or drives vehicles for work, a personal policy may not respond the way you expect. We compare carriers and explain commercial auto insurance in plain words.

Get A QuoteCall (402) 880-5569

What Is Commercial Auto Insurance?

Commercial auto insurance is a policy for vehicles that a business owns, leases or uses for work. It can pay for injuries and damage you cause in a crash, and for damage to your own vehicles.

Many Nebraska businesses need it. That includes contractors with work trucks, delivery companies, landscapers, sales teams and any owner whose employees drive on the job. A personal auto policy often limits business use.

A policy usually includes liability coverage, and it can add physical damage, medical payments, and cover for drivers who lack enough insurance. What it covers depends on your policy and carrier.

We are an independent agency, so we can ask many carriers for options. We listen to how your vehicles are used, explain each choice in plain words, and help you compare policies side by side.

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A person in a dark jacket, seen from behind, lifts a metal case into the open rear of a white van on a street., illustrating commercial vehicle insurance

Vehicles And Risks We Can Help Cover

Work vehicles come in many sizes and face different risks. Here are a few examples of what a commercial auto policy can be built around, depending on how you use each vehicle.

  • A gray pickup with a dented front fender and amber lights stands beside a dark sedan on a gravel road at dusk., illustrating commercial auto liability insurance

    Liability For Crashes

    Liability coverage can help pay for injuries and property damage when a driver for your business is at fault. Limits and exclusions depend on your policy and carrier.

  • A gloved hand rests near a round dent in the blue-gray hood of a truck, with raindrops on the paint and a plowed field behind., illustrating commercial auto insurance

    Damage To Your Vehicles

    Collision and comprehensive coverage can help repair or replace a work vehicle after a crash, theft, hail or fire. Deductibles and terms depend on the carrier.

  • A pickup truck with a toolbox in the bed and a hitched utility trailer carrying a ladder and equipment sits in a driveway at dawn., illustrating commercial vehicle insurance

    Work Trucks And Vans

    Contractors and service companies often run trucks and vans with tools aboard. We can ask carriers how they treat equipment, trailers and several drivers.

  • A white box truck with its rear door open beside a loading dock, with stacked cardboard boxes on a hand truck., illustrating commercial auto liability insurance

    Box Trucks And Delivery

    Delivery and moving work adds miles, loading time and more exposure on the road. We can compare carriers that write box trucks and similar fleets.

Independent Means Choices

We work with many insurance carriers, so we can compare commercial auto insurance options for coverage, service and price. Everyone does not get the same policy.

  • A hard hat and rolled blueprints on a table beside a laptop and a printed insurance policy, from Asset Shield, an independent agency for commercial auto insurance

    Coverage

    Carriers write commercial auto in different ways. We compare liability limits, vehicle types and add-ons, so you can see what each policy usually covers and what it does not.

  • A friendly insurance agent at a desk talking on the telephone with a headset in a bright office, from Asset Shield, an independent agency for commercial auto insurance

    Service

    You can call us with a new truck, a new driver or a claim question. We explain your policy in plain words and work with the carrier on your behalf.

  • A calculator, a pen and an open notebook on a clean desk beside a cup of coffee, from Asset Shield, an independent agency for commercial auto insurance

    Price

    Cost depends on vehicles, drivers, miles, radius and claims history. We gather quotes from several carriers so you can weigh price against coverage and make a clear choice.

What We Check Before We Shop Carriers

Before we ask for quotes, we learn how your business uses its vehicles. A clear picture of who drives, where they go and what they haul helps carriers price the policy fairly.

We also look at your current policy, if you have one. Gaps often show up when a personal policy is used for work, or when a new vehicle is never added to the policy.

  • Which vehicles you own or lease
  • Who drives and how often
  • Typical routes and travel radius
  • What cargo or tools you carry
  • Your current limits and deductibles
A table holds a paper road map, a ring of vehicle keys and a notepad, with a work truck seen through the window., illustrating commercial auto insurance
The Omaha Nebraska downtown skyline across the river at blue hour with glowing city lights, from Asset Shield, an independent agency for commercial auto insurance

Tell Us About Your Business

We will find out more about your Nebraska commercial insurance needs, compare carriers and come back with options.

  1. 1 Tell Us What You Do
  2. 2 We Compare Carriers
  3. 3 We Come Back With Options
Get A QuoteCall (402) 880-5569