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Hastings Office

Phone: (402) 463-2461
Fax:(402) 463-2469
2203 Osborne Drive
Hastings, NE 68901 

Omaha Office

Phone: (402) 884-1320
Fax: (402) 884-1833
4331 North 156th Street
Omaha, NE 68116 

Kearney Office

Phone: (308) 698-0114
Fax: (308) 698-0118

4004 6th Avenue
Kearney, NE 68845

Lincoln Office

Phone: (402) 470-0337
Fax: (402)327-8483

7120 Stephanie Lane, Ste 200
Lincoln, NE 68516

Blog Index
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Cyber Attack Loss Scenario #1: 

A transportation contractor was hacked by a former employee, causing loss of data and software. Coverage response:
-Data Restoration: $4,500
-Data Recreation: $5,000
-Systems Restoration: $10,050
-Business Interruption: $10,000
-Public Relations: $4,300
-Total Loss: $33,850
A Cyber Liability policy is an important piece of every businesses risk management program. In the example above, if the organization did not have a Cyber Liability policy, many of these expenses would not be paid.

Importance of a Vehicle Inspection Program

Regular vehicle inspections are a great way to minimize your claim activity when it comes to your Auto Fleet. These can be done by the driver or a supervisor as often as you deem necessary depending on how many miles your employees drive. By keeping your vehicles in good shape you minimize the losses and accidents that can happen and ultimately save your company money.


A checklist is a great way to make sure the inspections are done properly and on a regular basis. Have the driver check off each item on the checklist and sign off on the bottom so you know that the inspection was done. Here is a sample checklist you can use in your Vehicle Maintenance Program: Vehicle Inspection Checklist.


The Importance of Building a Safety Culture

A safety culture within a workplace can be a leading driver of decreasing workplace injuries and keeping employees on the job. This is a high priority for many business owners but do your employees also know the importance of creating a culture focused on safety? According to OSHA, an established safety culture can reduce your injury and illness costs by 20 to 40 percent. Here are some additional statistics from OSHA:

Employers pay almost $1 Billion per week for direct workers compensation costs alone.

Lost productivity from injuries and illnesses costs companies roughly $63 Billion each year.

The statistics are staggering and it is imperative that business owners see the value of integrating a safety culture throughout their entire company. This can lead to significantly lower Workers’ Compensation costs and increased productivity from your employees.

To learn more about the Importance of Building a Safety Culture open our recent document of the same title by clicking here.


Understanding Replacement Cost on a Homeowners Policy

Many people believe replacement cost on a homeowners policy is:

  1. What they paid for it
  2. The market value or
  3. The assessed value.

However, these are not taken into account when it comes to insurance coverage.

Insurance is based on replacement cost, or what it would cost to rebuild that particular structure. 

Are you confident that your insurance policy provides a limit of coverage that would adequately rebuild your home if it were damaged beyond repair, including debris removal?

Calculating a home’s rebuilding cost is difficult, and can be easy to insure for the wrong amount.

Factors that can effect changes in rebuilding costs:

  • Newly redesigned kitchens
  • Media rooms
  • Completing unfinished areas
  • Changes in economic conditions
  • Building codes and construction cost
  • Architectural and contractor fees

The correct amount of coverage on your home in case of a loss is crucial.

At Ellerbrock-Norris Insurance, we will work with you to make sure you are protected with the right amount of insurance for your home. 


Top 3 Regulatory Issues for Workers' Compensation in 2016

There are many potential changes on the horizon for Workers’ Compensation in 2016.  With these changes come regulatory issues that employers need to be aware of.  These changes could directly impact your Workers’ Compensation plan and ultimately your bottom line. 

The top three regulatory issues to watch for in 2016 as identified by IA Magazine are:

1) Opt-out Laws

2) Reform Efforts

3) Independent Contractor Classification

While this article is directed towards an audience of Independent Insurance Agents we feel as if our business owner partners and clients need to be aware of these issues and begin having discussions on how they may impact their business. 

To see the full article written by Jacquelyn Connelly from IA Magazine on 2/8/16 go to:

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