Minimums: Current Workers' Compensation Certificate of Insurance (ACORD 25) filed with the Department of Labor
Condition: Business has 1 or more employees
Any contractor with one or more employees who works on real property other than their own must register with the state and keep a current workers' comp certificate on file, or they can be removed from the registered contractor list.[1]
General LiabilityNot Required
Nebraska's statewide contractor registration does not set a minimum general-liability insurance amount; GL minimums (e.g., Lincoln $500,000, Omaha Master ACAD $300,000, Sarpy County $1,000,000) are set locally, not by the state.[1]
Appliance Repair
No state license or insurance requirement specific to appliance repair. Manufacturers' warranty networks, home warranty companies, and commercial landlords typically require proof of general liability insurance (COI). An appliance-repair business with employees performing work on others' real property would still fall under the general Nebraska Contractor Registration's workers'-comp-certificate requirement (see hvac section) since that registration applies to all trades, not just HVAC. Technicians handling refrigerants must hold federal EPA Section 608 certification, a federal, not state, requirement.
Workers' Compensation Threshold
The Nebraska Workers' Compensation Act applies to every employer in the state employing one or more employees in the employer's regular trade, business, profession, or vocation -- there is no minimum employee-count threshold for HVAC or appliance-repair businesses (the Act's limited numeric threshold, 10+ unrelated full-time workers, applies only to agricultural operations). Independent contractors are not covered as 'employees' under the Act.
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Frequently Asked Questions
Does Nebraska require insurance for HVAC contractors?▾
Yes. Nebraska Contractor Registration (all construction trades, including HVAC — no HVAC-specific trade exam at the state level) (Nebraska Department of Labor) requires workers' compensation insurance.
Do appliance repair businesses need a license or insurance in Nebraska?▾
No state license or insurance requirement specific to appliance repair. Manufacturers' warranty networks, home warranty companies, and commercial landlords typically require proof of general liability insurance (COI). An appliance-repair business with employees performing work on others' real property would still fall under the general Nebraska Contractor Registration's workers'-comp-certificate requirement (see hvac section) since that registration applies to all trades, not just HVAC. Technicians handling refrigerants must hold federal EPA Section 608 certification, a federal, not state, requirement.
When is workers' compensation insurance required in Nebraska?▾
The Nebraska Workers' Compensation Act applies to every employer in the state employing one or more employees in the employer's regular trade, business, profession, or vocation -- there is no minimum employee-count threshold for HVAC or appliance-repair businesses (the Act's limited numeric threshold, 10+ unrelated full-time workers, applies only to agricultural operations). Independent contractors are not covered as 'employees' under the Act.
