Neb. Rev. Stat. » Chapter 44
Nebraska Revised Statutes

Neb. Rev. Stat. § 44-102 (2026)

Insurance, defined

✓ current as of July 2026
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For purposes of Chapter 44, unless the context otherwise requires, insurance shall mean a contract whereby one party, called the insurer, for a consideration, undertakes to pay money or its equivalent or to do an act valuable to another party, called the insured, or to his or her beneficiary, upon the happening of the hazard or peril insured against whereby the party insured or his or her beneficiary suffers loss or injury.

Notes of Decisions
Cited in 10 cases, 1939–2018 · leading case: Am. Fam. Mut. Ins. v. Hadley, 648 N.W.2d 769 (Neb. 2002).
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Am. Fam. Mut. Ins. v. Hadley, 648 N.W.2d 769 (Neb. 2002). · cites it 4× “§ 44-102 (Reissue 1998) defines an insurance policy as a contract whereby one party, called the insurer, for a consideration, undertakes to pay money or its equivalent or to do an act valuable to another party, called the insured, or to his or her beneficiary, upon the happening…”
Norwest Corp. v. State, Dept. of Ins., 571 N.W.2d 628 (Neb. 1997). · cites it 10× “The district court for Lancaster County, Nebraska, concluded that TOP constitutes insurance as defined in Neb. Rev. Stat. § 44-102 (Reissue 1993) and title insurance as defined in Neb.”
Citizens of Humanity, LLC v. Applied Underwriters Captive Risk Assurance Co., 299 Neb. 545 (Neb. 2018). · cites it 2× “Citizens is not an insurer, see Neb. Rev. Stat. § 44-102 (Reissue 2010), and the RPA between Citizens and AUCRA is not reinsurance, see Neb.”
Volquardson v. Hartford Ins., 647 N.W.2d 599 (Neb. 2002). · cites it 2× “2d 592 (2000); Neb. Rev. Stat. § 44-102 (Reissue 1998). Parties to an insurance contract may contract for any lawful coverage, and the insurer may limit its liability and impose restrictions and conditions upon its obligation under the contract not inconsistent with public…”
Jensen v. Bd. of Regents of the Univ. of Nebraska, 684 N.W.2d 537 (Neb. 2004). · cites it 2× “, Neb. Rev. Stat. § 44-102 (Reissue 1998) (defining “insurance” under chapter 44 of the Nebraska Revised Statutes).”
O. G. Pierce Co. v. Century Indem. Co., 285 N.W. 91 (Neb. 1939). · cites it 2× “Under the rule of law requiring the court to construe statutes in pari materia together, so as to harmonize and give effect to their various provisions, we refer to section 44-102, Comp. St. 1929, entitled “Terms Defined.”
Citizens of Humanity v. Applied Underwriters, 299 Neb. 545 (Neb. 2018). · cites it 2× “Citizens is not an insurer, see Neb. Rev. Stat. § 44-102 (Reissue 2010), and the RPA between Citizens and AUCRA is not reinsurance, see Neb.”
Schnell v. United Hail Ins., 18 N.W.2d 112 (Neb. 1945). · cites it 2× “It is effective as such whether a policy so-called was ever issued or not unless the application was rejected or canceled by defendant in some appropriate legal manner.”
Bankers Life Ins. Co. v. Laughlin, 70 N.W.2d 474 (Neb. 1955). · cites it 3× “The Legislature obviously likewise intended to exempt from the tax premiums received on reinsurance, for it defined direct writing to mean, “insurance as defined in section 44-102, but shall not include reinsurance as defined in section 44-103.”
Guardian Nat'l Life Ins. v. Eddens, 13 N.W.2d 418 (Neb. 1944). · cites it 2× “Section 44-102, Comp. St. 1929, defines insurable interest as used in the insurance code as follows: “ ‘Insurable interest’ in the matter of life and health insurance exists when the beneficiary, because of relationship, either pecuniary or from ties of blood or marriage, has…”
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