Contractual Clarity: The Role of Liability Insurance

Understanding Business Contracts and the Significance of Liability Insurance

Clarity in business contracts, particularly in relation to liability and insurance provisions, is crucial for a successful business. Specialists in commercial insurance solutions, Brokers Insurance Agency in Lincoln, NE, are committed to fostering transparency in business contracts to ensure optimal protection for businesses. Let’s explore key aspects of liability insurance that are pivotal for every business owner.

The Concept of Contractual Liability

Contractual liability covers legal commitments outlined in your business contracts. These liabilities can greatly vary, encompassing everything from indemnity clauses to hold-harmless agreements. A clear understanding of these obligations is essential for safeguarding your business interests.

The Function of Liability Insurance Brokers

Liability insurance brokers help businesses navigate the often complex landscape of insurance-centric contractual agreements. Their role ensures that insurance policies align with contractual obligations and adequately limit potential liabilities.

The Process of Contract Review and Analysis

Insurance brokers undertake a careful review of business contracts to identify insurance-related conditions. They confirm that policies fulfill all mandatory criteria and provide the necessary coverage to meet contractual duties.

Creation of Custom Insurance Solutions

Insurance brokers formulate custom insurance solutions by considering contract specifications and potential risk assessments. This process includes adjusting coverage limits, endorsements, or provisions to meet precise contract requirements.

Support during Contract Negotiations

Brokers offer crucial support during contract negotiations, providing insights to secure beneficial insurance terms and advocating for fair provisions.

Claims Management

In the event of a claim, brokers facilitate communication between the insured party and the insurer, ensuring swift resolution and the maximization of coverage benefits.

Consistent Monitoring

By continually monitoring contracts and policies, brokers adjust coverage as per evolving business requirements and situations to maintain compliance and effectiveness.

Providing Educational Resources

Brokers supply clients with educational resources to enhance their understanding of contractual liabilities and insurance implications, enabling informed decision-making.

In conclusion, liability insurance brokers are crucial for ensuring contractual transparency and protecting businesses from unplanned liabilities. If your business is currently without this type of commercial insurance coverage, consider securing it soon. For expert advice and bespoke commercial insurance solutions in Lincoln, NE, contact Brokers Insurance Agency.

Making your home a safer place to live

Home is the safe place for most people, and ensuring your home is genuinely safe takes a few easy steps. Safety can mean many things. It can be both inside and out. At Brokers Insurance Agency in Lincoln, NE, we know that home insurance makes your home safer from many of the things that can damage it. 



Lighting is essential inside and out. Inside, it helps avoid falls. Outside, if you install motion sensor lights, they can alert you to anyone approaching your home. Good lighting outdoors can also allow you to see your way as you enter your home. 

Security system

Home security systems have never been more affordable or more accessible to install. You can watch your home when you are away by using your smartphone. Depending on your system type, the authorities may be automatically alerted to an intruder.


Smoke detectors

No home should be without smoke detectors and carbon monoxide detectors, depending on the heating system you have. Check the batteries regularly to make sure your backup is working. 

Clear clutter

Clutter is a danger for falls, especially on stairs and in hallways. Falls are one of the biggest dangers in the home. 

Store medication and poison out of reach

Children and pets are inquisitive and often ingest things they shouldn’t. Keep any medication out of reach and, if necessary, under lock and key. Poisons in the basement or garage should be in locked cabinets. Cleaning solutions in the bathroom and kitchen need to be safely stored. 

When you need home insurance in Lincoln, NE, you can count on our Brokers Insurance Agency team to offer a wide range of insurance products. Give us a call today to get the information you need. 

Life Insurance for Millennials: Why It’s Important and How to Get Started

In the bustling city of Lincoln, NE, millennials are embracing life’s opportunities. At Brokers Insurance Agency, we understand the unique financial landscape millennials navigate, and today, we’ll explore why life insurance is crucial for your demographic and how to take the first steps toward securing your future.

Understanding the Importance of Life Insurance

Millennials often juggle student loans, careers, and other financial responsibilities. Recognizing that life insurance isn’t just about today; it’s an essential tool for providing financial security to your loved ones tomorrow. Whether you’re single, married, or starting a family, life insurance offers peace of mind.

Tailoring Coverage to Millennial Lifestyles

Life insurance shouldn’t be a one-size-fits-all approach. Brokers Insurance Agency specializes in tailoring coverage to fit the diverse lifestyles of millennials in Lincoln, NE. From term life to whole life policies, we provide flexible solutions that adapt as your life evolves.

Getting Started: A Simple Guide

Getting started with life insurance doesn’t have to be overwhelming. Brokers Insurance Agency offers a simple guide for millennials in Lincoln. We’ll help you assess your needs, understand policy options, and choose coverage that aligns with your goals and aspirations.

Your Partner in Financial Security

As your partner in financial security, we understand the importance of building a foundation for the future. With our expertise and commitment to personalized service, we guide millennials through the life insurance process, ensuring they make informed decisions that align with their unique circumstances.

Life insurance is a cornerstone of financial planning, and Brokers Insurance Agency is here to empower the financial future of millennials. Contact us today for personalized guidance and take the first step toward securing a tomorrow that’s financially resilient and full of possibilities.

Does Your Business Need Employment Practices Liability Insurance?

Large businesses with many employees have Employment Practices Liability Insurance (EPL or EPLI). But at Brokers Insurance Agency, which serves Lincoln, NE, we suggest that small businesses and new businesses consider getting this coverage, too.

Reasons an Employee May Sue a Business

EPI policies provide a defense lawyer if a company is sued by an employee who charges an unfavorable work environment. There are many reasons an employer can be sued that may activate the stated provisions of this coverage. They may include an employee’s allegation of:

  • Discrimination based on sex, race or disability
  • Sexual harassment
  • Wrongful firing
  • Breach of employment contract
  • Subjectively in giving a poor employee evaluation
  • Wrongful discipline
  • Failure to promote
  • Actions causing emotional distress
  • Mismanagement of employee benefit plans

Employment Status Does Not Deter Lawsuits

With so many possibilities, it’s obvious that almost any business except a sole proprietorship is susceptible to employee lawsuits. A company may be sued by an applicant who did not get the job, a current employee, or a former employee.

What EPI Policies May Cover

An Employee Practices Liability policy pays for a defense attorney. If the company loses, the insurer makes a payout. This coverage does not pay punitive damages or civil or criminal fines. Nor does it pay for liabilities covered by another insurance policy.

How Businesses Can Protect Themselves From Employee Lawsuits

Having effective human resources and legal departments may help to prevent a lot of employee lawsuits. But since some businesses aren’t yet large enough to have these departments, we strongly suggest EPL insurance for many businesses at Brokers Insurance Agency.

At Brokers Insurance Agency, we serve Lincoln, NE, and we have the expertise to help business owners choose EPI. Contact us today.

Prepping Your Home for Winter: What Homeowners Need to Know

Freezing temperatures are just around the corner. As a homeowner, your home must be prepared for the ice and snow ahead. At Brokers Insurance Agency, we’re proud to service Lincoln, NE residents with all their home insurance needs. Let’s take a look at what you need to do to get your home ready for winter. 

Call in the Furnace Professionals

It’s a good idea to have your furnace serviced at least once every year. If you haven’t had your furnace serviced yet this year, you’ll want to check it before relying on your HVAC unit to keep you warm.

Turn Off Outdoor Faucets

Walk around your home and ensure all exterior faucets are turned off, and bring in your hoses until spring. Doing so can prevent freezing water that can equal a major leak when turning your water on in the spring.

Reverse Ceiling Fans

It’s time to flip the little switch on your ceiling fans when the winter chill begins to set in. This sends the heat back down to your living area instead of back up to the ceiling. This simple trick can save you serious cash when it comes to heating your home in the winter. 

Take a Look at Your Roof

Ice, snow, and wind can all do a number on your roof in the winter. If there’s a problem with your roof, it’s best to find out now rather than pay to have it fixed once the cold rolls around. 

Brokers Insurance Agency: Proudly Serving Lincoln, NE

At Brokers Insurance Agency, we’re proud to serve our Lincoln, NE customers with all of their insurance product needs. Reach out to us or stop by the office today to learn more. 

Is RV Insurance the Same as Auto Insurance?

If you’ve just purchased an RV, you might wonder if you can add it to your auto insurance plan for coverage. Unfortunately, an RV isn’t considered an automobile, so you must purchase a separate insurance policy to cover your new recreational vehicle adequately. Here is an explanation of why you need separate coverage and how much you can expect to pay. 

Coverage for Travel Trailers Only

If you have a travel trailer and not an actual RV, your trailer is covered under your regular automobile policy. However, if you have a separate RV that isn’t towed by your vehicle, RV insurance is required by the state of Nebraska. It’s state law, and the fact that auto insurance provides coverage for automobiles, and an RV isn’t an automobile. RV insurance will also provide more complete coverage for your recreational vehicle if you become involved in an accident or the vehicle incurs some damage. 

Average Cost of RV Insurance

Several factors will be considered when determining the RV insurance coverage cost. These factors will include the size and length of your RV, its weight, the property you keep in your RV’s living area, and more. You can expect to spend anywhere between a couple of hundred dollars a year to a couple thousand. 

As you can see, you must purchase a separate insurance policy when covering your RV. If you’re seeking a new insurance agency and you’re in the Lincoln, NE area, you should contact Brokers Insurance Agency. At Brokers Insurance Agency, we pride ourselves on providing top-notch insurance policies and excellent customer service. Call us today so we can provide you with a quote.

Consequences of Driving Without Motorcycle Insurance in Nebraska

Sometimes, when money gets tight in your Lincoln, NE home, you look for bills to put off paying. Brokers Insurance Agency wants to explain why you should never choose your motorcycle insurance premium as the bill to skip.

Consequences of Driving Without Insurance

When you skip a premium payment, your coverage lapses. That means until you bring your coverage current, you drive without insurance. The state of Nebraska carries some hefty consequences for doing that if you get caught.

The police will charge you with a Class II misdemeanor, and the state temporarily suspends your license. You get ten days to prove that you have insurance. If you can’t produce proof, you’ll incur a fine of a minimum of $50.

Losing Your License

Besides the fines, which a judge determines based on guidance from state law, you can lose your driver’s license. In Nebraska, you will lose your license to drive if you drive without at least the minimum liability coverage and cause an accident or get convicted of having no proof of insurance.

What Is the Minimum Liability Coverage?

To legally ride your bike in Nebraska, you must maintain liability coverage in the amount of:

  • $25,000 property damages insurance
  • $50,000 personal injury insurance.

You can add coverage to the minimum to protect your own bike and health care needs.

Don’t Let This Happen to You

Contact Brokers Insurance Agency in Lincoln, NE for the motorcycle insurance you need to stay out of trouble with the law. Let us help you obtain affordable motorcycle insurance to comply with Nebraska law.

Protecting Your Boat: Understanding Recreational Watercraft Insurance

Do you own a boat near Lincoln, NE? If so, Brokers Insurance Agency believes understanding recreational watercraft insurance is essential to protecting your investment. Whether you’re a seasoned boat owner or just purchased your first vessel, having the right insurance coverage can give you peace of mind while on the water. 

Types of Recreational Watercraft Insurance

There are two main recreational watercraft insurance coverage types: liability and physical damage. Liability coverage protects you if you are found responsible for an accident or injury while operating your boat. This coverage will pay for any damages or medical expenses incurred as a result. Physical damage coverage, on the other hand, covers damage to your boat and any equipment onboard, including electronics, engines, and sails.

What Does Recreational Watercraft Insurance Cover?

Recreational watercraft insurance policies can be customized to meet your specific needs. Most policies cover the following:

  • Damage to your boat
  • Damage to other boats, docks, or property
  • Theft and vandalism
  • Injuries to passengers or other boaters
  • Towing and wreckage removal
  • Emergency assistance and labor costs

Why You Need Recreational Watercraft Insurance

While owning a boat can be a fun and rewarding experience, it also comes with inherent risks. Collisions, weather, or theft can damage boats, and accidents can occur anytime. Without insurance coverage, you could be left with a substantial financial burden in an accident or damage to your boat.

In conclusion, recreational watercraft insurance is essential for any boat owner living in Lincoln, NE. Whether you’re out on the water for a weekend getaway or a long-term trip, having the right coverage in place will give you peace of mind and protect your investment. Call or email Brokers Insurance Agency today so we can set you up with the right boat insurance.

Tips to keep your classic car running like new

If you’re a classic car enthusiast here in the Lincoln, NE area, nothing is more rewarding than seeing your ride running like new. Unfortunately, with age comes wear and tear on classic cars, making it hard to keep them in pristine condition. Here are some tips from us at Brokers Insurance Agency to help you keep your classic car running like new:

  1. Regular Maintenance: Scheduling regular maintenance checks for your classic car is essential for keeping it running smoothly over the years. During these check-ups, mechanics should inspect all parts of the vehicle to make sure everything is in good working order. Paying attention to warning signs such as strange noises or inconsistent performances from the engine can also help identify any potential problems before they become significant issues.
  2. Quality Parts: Investing in quality parts is vital when repairing or replacing components on your classic car. Look for components specifically designed for vintage vehicles, as they will ensure optimal performance and longevity from your classic car. Don’t skimp on quality parts; going this route could cost you more down the road if you need to replace them again soon after installation due to low-quality materials used during manufacturing. 
  3. Use Original Fittings: While some modifications may be necessary to keep your classic car running like new, try not to stray too far from original fittings and fixtures when possible. Using original fittings helps preserve the vehicle’s authenticity and can also improve performance over time by preventing excess strain on other components, such as the engine or transmission. 

For more tips or to explore an insurance policy to cover your ride, call us at Brokers Insurance Agency today. We serve the Lincoln, NE area.

Why basic auto insurance may not be the right choice

Basic auto insurance is what the state says you need to carry. It varies from state to state. In Nebraska, it is 25/50/25 and 25/50. What this all means is something we at Brokers Insurance Agency in Lincoln, NE make it our responsibility to inform our customers of and make sure they have the appropriate coverage. 

The required insurance is liability coverage and underinsured or uninsured coverage. You must have $25,000 for injuries to one person and $50,000 for all accident injuries, and $25.000 for property damage. You also need to protect yourself and any passengers in your vehicle from medical injuries or lost time resulting from under-insured or uninsured motorists. This is $25,000 for one and $50,000 for all injuries or lost time. 

But what about your car if you are the responsible party? Can you afford to repair or replace it? If the answer is no, then you need to consider additional coverage. 


Collision covers damage to your car if you are responsible for the accident, are the victim of a hit and run, or are an uninsured or underinsured driver. 


Comprehensive coverage protects your vehicle from several different hazards, including theft, vandalism, flooding, high winds, and hail, just to name a few. 

Roadside assistance

If you break down and need to be towed, have a flat tire, or lock yourself out of your vehicle, having roadside assistance will mean that someone will come to help you. 

Gap coverage

When you buy a new vehicle, it loses value as soon as it leaves the showroom. This will guarantee you will have enough coverage to pay off your loan. 

To learn if basic auto insurance is the right choice for you, give our team at Brokers Insurance Agency in Lincoln, NE a call today.