Nebraska has no tow-specific rule — the general $25,000/$50,000/$25,000 motor-vehicle liability floor applies. The PSC’s $750,000 liability and $5,000 cargo figures cover household-goods carriers only, not tow operators.
Law: Neb. Rev. Stat. § 60-501(14); PSC 291 NAC Ch. 3 § 003.03; § 75-363; 49 CFR 387.3(a), Part 387 · § 75-307; § 75-307.01 (repealed 2007, LB 358); 291 NAC Ch. 3 § 006.05
Weight / class variation: PSC rule varies only by household-goods vs. passenger seating capacity; no tow or GVWR variation.
No tow-specific rule found. PSC 291 NAC Ch. 3 § 003.03 sets dollar amounts only for household-goods carriers ($750,000 liability + $5,000 cargo) and passenger carriers — no tow or general for-hire property classification. § 75-307(3) bars compelling cargo insurance except for household-goods carriers. On-hook/garagekeepers: no minimum in any NE statute or PSC rule read (§ 003.03, § 006, §§ 75-303/75-307/75-363; towing/abandoned-vehicle provisions). NE adopts 49 CFR Part 387 via § 75-363, but § 387.3(a) limits the $750,000 subpart to interstate/foreign commerce for nonhazardous property. Interstate for-hire tow remains subject to federal Part 387. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Nebraska →Independent-contractor test: Common-law multi-factor test from case law — no statutory IC definition in the WC Act. The WC statute (§ 48-115) defines "employee" but never defines "independent contractor." Nebraska Supreme Court applies a 10-factor balancing test (Restatement (Second) of Agency § 220). DIFFERENT from wage-payment law, which uses an ABC test (Neb. Rev. Stat. § 48-1229). For unemployment insurance, Nebraska does NOT use the WC 10-factor test: under Neb. Rev. Stat. § 48-604(5) (Employment Security Law), services performed for wages are deemed employment unless the employer shows to the satisfaction of the Commissioner of Labor all three ABC prongs — (a) freedom from control or direction both under contract and in fact, (b) service outside the usual course of the business or outside all places of business, and (c) the worker customarily engaged in an independently established trade, occupation, profession, or business — and the statute states this is not a codification of the common law.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.