Coverage Built for How You Work
Independent insurance guidance for personal, businesses, and farms across the region.
Why Work With an Independent Agency?
In many cases, insurance customers do not understand what type of coverage they need. They take the lowest possible rate, without looking into the repercussions that could be caused. This is fine and good — until the time comes that they need to get something back from the insurance company.
Because of this, working with an independent agency is actually still a superior way to obtain insurance. The agent can help you get the coverage you need at a price you can afford. Additionally, there are many agencies now that offer features that make it even easier. For instance, in some cases you can compare insurance quotes online.
Coverage That Works as Hard as You Do
Homeowners & Property
Protection for your home, belongings, and personal liability
Home · Renters · Condo · Landlord · Flood
Personal Auto
Coverage for your vehicles and the people who drive them.
Auto · Motorcyle · RV · Boat · SR 22
Life & Health
Protection for your family's financial future and help choosing coverage for healthcare expenses.
Life · Health · Dental and Vision Medicare Supplements · Disability
Personal Umbrella
Extra liability protection beyond the limits of your home and auto policies.
Higher Limits · Lawsuits · Worldwide Protection
Keep Your Business Protected and Moving Forward
Whether you run a small shop or a multi-location operation, we help you identify the right coverage to protect your people, property, and livelihood.
General Liability
Protection against third-party bodily injury, property damage, and advertising injury claims arising from your operations.
Business Owners Policy (BOP)
A bundled package combining general liability and commercial property coverage — ideal for small to mid-size businesses.
Commercial Auto & Fleet
Coverage for work trucks, delivery vehicles, and commercial fleets — including cargo, non-owned auto, and multi-vehicle options.
Workers' Compensation
Required coverage for employee work-related injuries, medical expenses, and lost wage replacement.
Commercial Property
Protection for your building, equipment, inventory, and business assets against fire, theft, vandalism, and weather events.
Cyber & Umbrella Coverage
Data breach response, ransomware coverage, and high-limit excess liability protection for businesses of all sizes.
Specialized Coverage for the People Who Feed Our Region
Farms are more than a business — they're a way of life. We understand the unique risks of agricultural operations and offer coverage built around the realities of farming in Nebraska, South Dakota and Iowa.
Farm Owners Policy
A comprehensive package covering your farmstead, dwelling, outbuildings, equipment, and farm liability in a single policy.
Crop Insurance
Protection against yield loss and revenue shortfalls caused by drought, flooding, hail, and other covered perils.
Farm Equipment & Machinery
Coverage for tractors, combines, planters, and other farm machinery against breakdown, collision, and theft.
Livestock Coverage
Protection for cattle, hogs, poultry, and other livestock against death from covered causes including weather and disease.
Farm Auto & Truck
Coverage for farm trucks, grain haulers, and vehicles used in agricultural operations on and off the farm.
Farm Liability
Broad liability protection for farm operations, agritourism activities, and custom farming work performed for others.
Not Sure Which Coverage Is Right for You?
That's exactly what we're here for. A Safeguard advisor will walk you through your options, compare carriers, and help you make a confident decision.