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.
Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
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.
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.
Insurance by Industry
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Our Clients Rave About Us
Check out our reviews and see why you should switch to Universal Group, LTD.
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.
Offering Nationwide Solutions
We counsel clients from our six 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.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
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.
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.
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.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
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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