A Century of Insurance Expertise Perfectly Protecting What’s Yours

Your universal partner in growing your business.

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Eight Office Locations

Universal Group Omaha
West Omaha, NE
Hometown Insurance
Columbus, NE
Universal Group Arizona
Phoenix, AZ
Universal Group Tennessee
Gallatin, TN
Universal Group Wyoming
Sheridan, WY
Universal Group Alabama
Montgomery, AL
Universal Group South Carolina
Wagener, SC
Halo Insurance, a Division of Universal Group
Omaha, NE

Contact One of Our

Seven Office Locations

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Universal Group, LTD.

An agency relationship that’s focused on your needs.

Universal Group is an independent insurance agency, brokerage, and consulting company in Omaha, NE, founded in 1982.

Universal Group is an independent insurance agency offering a broad array of insurance solutions customized to your unique risks and needs. We collaborate with our clients to create custom insurance programs and focus on personalizing every client relationship and providing the expertise to back it up.

We proudly serve and have served individuals and businesses of Omaha, NE since 1889, and have since expanded counseling clients in all 50 states nationwide. We take pride in putting your needs first while delivering quality insurance products and services in accordance with our agency’s core values and mission.

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As an independent agency, we are here to help you find the right coverage.

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Our Mission Statement

Our dedicated team is committed to creating a unique experience by putting our diverse portfolio of services to work for you—allowing you to rest easy knowing your partner is here to protect, nurture, and build your business. As independent brokers with access to an impressive portfolio of carriers, our brokers partner with experts to minimize your risks and maximize your assets.

Our Core Values

Guiding principles that form the foundation of our business and on which we perform and conduct ourselves.

Honor Your Word
Serve Others
Learn and Grow
Positive Thinking

The Solution To Your Insurance Needs

Providing a variety of business insurance, specialized business insurance, employee benefits, and personal insurance solutions is what Universal Group, LTD. does best.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Insurance by Industry

Looking for insurance designed specifically for your business?
Search for business insurance by industry to find the right coverage.

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Business Owners Insurance

Insurance coverage for businesses of all sizes.

Commercial Umbrella Insurance

An extra layer of coverage to protect your business.

Contractor Insurance

Constructing the ideal insurance coverage

Dealership Insurance

Unique protection no matter what you sell.

Garage Repair Shop Insurance

Is your current insurance policy in need of a repair?

Our Clients Rave About Us

Check out our reviews and see why you should switch to Universal Group, LTD.

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Real clients. Real reviews. Real coverage.

“We are very pleased to work with Universal Group for our insurance needs. They found us the coverage we need and Angie is very responsive. We would highly recommend them.”

– Joe S.

Insurance in 50 States

We offer insurance solutions across all 50 states nationwide
with a focus in Nebraska, Iowa, Tennessee, Arizona, South Carolina, Wyoming, and Alabama.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
Offering Nationwide Solutions

We counsel clients from our eight office locations across NE, AZ, TN, WY, SC, and AL, and serve all 50 states nationwide.

Personalizing Client Relationships

Our agency will go the extra mile to exceed your expectations in helping you uncover and understand the most suitable coverage.

Education by Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage and educate you on your insurance options.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Garage/Repair Shop

Commercial General Liability / Garage Liability

Risk Factor

Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.

Solution

Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Property of Others - Garagekeepers

Risk Factor

The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.

Solution

You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.

Inland Marine and Mobile Equipment Policies

Risk Factor

You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.

Solution

You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.

Workers' Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation, and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.

Garage Repair Shop Insurance 101

Make sure you cover the unique risks you face with garage repair shop insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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