Nebraska Revised Statutes

Neb. Rev. Stat. § 48-146 (2026)

Compensation insurance; provisions required; approval by Department of Insurance; effect of bankruptcy

✓ current as of July 2026
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No policy of insurance against liability arising under the Nebraska Workers' Compensation Act shall be issued and no agreement pursuant to section 44-4304 providing group self-insurance coverage of workers' compensation liability by a risk management pool shall have any force or effect unless it contains the agreement of the workers' compensation insurer or risk management pool that it will promptly pay to the person entitled to the same all benefits conferred by such act, and all installments of the compensation that may be awarded or agreed upon, and that the obligation shall not be affected by the insolvency or bankruptcy of the employer or his or her estate or discharge therein or by any default of the employer after the injury, or by any default in the giving of any notice required by such policy, or otherwise. Such agreement shall be construed to be a direct promise by the workers' compensation insurer or risk management pool to the person entitled to compensation enforceable in his or her name. Each workers' compensation insurance policy and each agreement forming a risk management pool shall be deemed to be made subject to the Nebraska Workers' Compensation Act. No corporation, association, or organization shall enter into a workers' compensation insurance policy unless copies of such forms have been filed with and approved by the Department of Insurance. Each workers' compensation insurance policy and each agreement pursuant to section 44-4304 providing group self-insurance coverage of workers' compensation liability by a risk management pool shall contain a clause to the effect (1) that as between the employer and the workers' compensation insurer or risk management pool the notice to or knowledge of the occurrence of the injury on the part of the employer shall be deemed notice or knowledge, as the case may be, on the part of the insurer or risk management pool, (2) that jurisdiction of the employer for the purpose of such act shall be jurisdiction of the insurer or risk management pool, and (3) that the insurer or risk management pool shall in all things be bound by the awards, judgments, or decrees rendered against such employer. Except when the Professional Employer Organization Registration Act allows coverage to be limited to co-employees as specified in a professional employer agreement, each workers' compensation insurance policy and each agreement providing such group self-insurance coverage shall include within its terms the payment of compensation to all employees who are within the scope and purview of the Nebraska Workers' Compensation Act, including potential new or unknown employees.

Notes of Decisions
Cited in 20 cases, 1934–2019 · leading case: Thomas v. Omega Re-Bar, Inc., 451 N.W.2d 396 (Neb. 1990).
Thomas v. Omega Re-Bar, Inc., 451 N.W.2d 396 (Neb. 1990). · cites it 16× “Section 48-146 provides that all policies insuring the payment of compensation under the Nebraska Workers' Compensation Act must contain a clause to the effect that jurisdiction of the insured for the purpose of the act is jurisdiction of the insurer and that the insurer is…”
Martinez v. Cmr Constr. & Roofing of Texas, 302 Neb. 618 (Neb. 2019). · cites it 2× “Third, the record shows that Texas Mutual was never authorized by the compensation court, pursuant to § 48-146, to issue insurance for workers' compensation purposes in Nebraska.”
Prendergast v. Nelson, 256 N.W.2d 657 (Neb. 1977). · cites it 4× “See, for instance, section 48-146, R.R.S. 1943, relating to workmen's compensation insurance, which provides in part: "No policy of insurance against liability arising under this act shall be issued unless it contains the agreement of the insurer that it will promptly pay to the…”
Risor v. Nebraska Boiler, 744 N.W.2d 693 (Neb. 2008). · cites it 3× “” 20 Section 48-146(3) provides that each workers’ compensation policy shall contain a clause providing that the insurer “shall in all things be bound by the awards, judgments, or decrees rendered against such insured.”
Rodriquez v. Prime Meat Processors, 421 N.W.2d 32 (Neb. 1988). · cites it 4× “The provisions of Neb.Rev.Stat. § 48-146 (Cum.Supp.1986), requiring that policies insuring liability arising under the Nebraska Workers' Compensation Act provide that jurisdiction over the insured shall be jurisdiction over the insurer and that the insurer shall in all things be…”
Neeman v. Otoe Cnty., 183 N.W.2d 269 (Neb. 1971). · cites it 5× “§§ 48-146 and 48-145, R. R. S. 1943. The form of policy approved by the insurance department provides that it may be canceled by the insured by surrender thereof to the company or any of its authorized agents, or by mailing written notice to the company stating when thereafter…”
Novotny v. City of Omaha, 299 N.W.2d 757 (Neb. 1980). · cites it 2× “surance of the injured employee, or any contribution or other benefit whatsoever, due to or received by the person entitled to such compensation, and the person so entitled shall, irrespective of any insurance or other contract, have the right to recover the same directly from…”
Sandwich Chef of Texas, Inc. v. Reliance Nat'l Indem. Ins., 202 F.R.D. 484 (S.D. Tex. 2001). “Code Ann § 33-1-501 (1999); Neb.Rev.Stat. § 48-146 (1998); Nev.Rev.Stat.”
Kruid v. Farm Bureau Mut. Ins. Co., 770 N.W.2d 652 (Neb. Ct. App. 2009). · cites it 2× “Pursuant to Neb.Rev.Stat. § 48-146 (Reissue 2004), all workers' compensation insurance policies "shall include within their terms the *658 payment of compensation to all employees, officers, or workers who are within the scope and purview of the .”
Ramsey v. Kramer Motors, Inc., 52 N.W.2d 799 (Neb. 1952). · cites it 2× “In this connection section 48-146, R. S. Supp., 1951, contains the following: “* * * jurisdiction of the insured for the purpose of this act shall be jurisdiction of the insurer, and * * * that the insurer shall in all things be bound by the awards, judgments, or decrees…”
Peek v. Ayers Auto Supply, 59 N.W.2d 564 (Neb. 1953). “§ 48-146, R. R. S. 1943. This court in Ramsey v.”
Miller v. Com. Contractors Equip., Inc., 711 N.W.2d 893 (Neb. Ct. App. 2006). · cites it 2× “We recognize that the employer’s compensation insurer is clearly a proper party in workers’ compensation litigation because the insurer is bound by the “ ‘awards, judgments, or decrees rendered against such insured’ ” under Neb.”
— Neb. Rev. Stat. § 48-146(3) — 1 case
Risor v. Nebraska Boiler, 744 N.W.2d 693 (Neb. 2008). “” 20 Section 48-146(3) provides that each workers’ compensation policy shall contain a clause providing that the insurer “shall in all things be bound by the awards, judgments, or decrees rendered against such insured.”
— Neb. Rev. Stat. § 48-146(g) — 1 case
— Neb. Rev. Stat. § 48-146(m) — 1 case
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