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Opening Hours:

  • Mon-Fri:   8AM - 5PM
  • Saturday:        9AM - 1PM
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Alliance Office

(800) 658-3288
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· (800) 658-3288 ·

Phone Us

Chadron Office

(308) 432-3443
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About Gregory's Insurance

History of Gregory's Insurance

Gregory’s Insurance was founded by T. Clifford Gregory during the Great Depression in l932. The first policy was a fire only policy with an annual premium of $3.18. Mr. Gregory operated by himself through the 30’s sharing office space with attorney, William H. Hein, above the old Alliance National Bank, now First National Bank.

Alliance_Office_416-West-3rdAfter the war in 1949, Cliff hired Loren Solberg. They increased business enough to warrant building a small office at 416 West 3rd Street in 1954. The corporation known as Gregory’s Inc. was founded that same year.

In 1966 Dan Contonis started working for Gregory’s and Duane Beal followed in 1971. Mr. Gregory retired in 1972 and Mr. Solberg became the sole owner. In 1974, two small offices were added to the North side of the building at 416 West 3rd.

Hemmingford_OfficeIn 1975 Gregory’s Insurance purchased the Reinders Agency in Hemingford and in 1977 Steven Engelhaupt was hired.  In 1978 a branch office was built and opened in Hemingford.  The Hemingford branch office was closed in December 2011.  Marty Petersen joined the agency in 1980 and is now the current manager of the agency.

In August 1984 Dan and Duane bought Loren Solberg’s stock in Gregory’s and in January 1985, Gary Tomlin purchased the Brittan Agency and merged it with Gregory’s Insurance. The year 1985 brought a computerized Agency Management System to Gregory’s. In 1986 three more offices and a reception area were added to the east side of the building at 416 West 3rd. In January 1995, Duane Beal retired

Over the years, Gregory’s added staff and purchased several small agencies in Alliance. In 1993, Gregory’s Insurance purchased the Babcock-Usher agency in Chadron. In 1997 the agency was sold to the Larson Insurance Agency.

don_garyIn January 2001, Dan and Gary sold Gregory’s to First National of Nebraska, Inc., the parent company of First National Bank of North Platte. With new ownership, a new corporation, Gregory’s Insurance Inc. was formed. In April 2001, Gregory’s Insurance sold the building at 416 West 3rd Street and moved to the second floor of the First National Bank North Platte building at 124 West 3rd Street.

In December 2003, Jon Daniels was hired in Chadron, Nebraska where he had an office in the First National Bank North Platte building in Chadron. In January 2007 Gregory’s leased office space at 234 East 3rd Street and later that year moved next door at 240 East 3rd Street in Chadron. In 2015 we again moved to 1413 West 6th Street in Chadron where we are currently located.

management_teamDan Contonis retired in 2007 and Gary Tomlin retired in 2008. In January 2008 a new management team was formed - Marty Petersen, general manager as well as the health and life department manager; Steve Engelhaupt, farm, ranch and crop insurance department manager; Jennifer Wood, personal lines manager; MalaDonn Schuman, commercial lines manager; and Marlene Grier, operations manager. In September 2010, MalaDonn Schuman resigned and Jon Daniels became the commercial lines manager

In 2012 Marlene Grier retired and Debra Kumpf was hired as an administrative assistant.

Currently Gregory’s staff consists of thirteen employees in Alliance and three employees in Chadron, Nebraska to serve your needs.

Gregory’s Insurance has been a member of the Independent Insurance Agents of Nebraska for over 50 years. As an independent agency, we can offer you a wide range of insurance products to cover your business, home, auto, life and health.

Gregory's Insurance Professionals


Personal Insurance


Life & Health Insurance


Business Insurance


Farm & Crop Insurance

Life & Health Insurance

Business Insurance

Farm & Crop Insurance

Gregory's Insurance

Homeowners Insurance

Homeowner's insurance protects your investment in your home. It provides coverage for your residence, as well as your personal property and personal liability. The price you paid for your home is probably not the amount you will choose to insure it.  What will it cost to rebuild your home?  While there can be limitations for things such as jewelry, fine arts, etc., these items can most generally be scheduled to the policy for an additional premium. Do you have a home-based business? Our agents will discuss coverage options with you, to determine the best fit for your needs.

Automobile Insurance

Driving without auto insurance is against the law in most states. Auto insurance not only can provide protection financially, but it is a social responsibility as well. We are able to provide coverage for most types of vehicles, and will visit with you to determine which limits, coverage options, and company can best meet your needs.

Motorcycle Insurance

Going for a ride on a hot summer day is just one of the many perks of owning a motorcycle. Insuring your motorcycle properly is a necessity. Just like wearing a helmet, protecting your investment just makes good sense. In addition to liability coverage, additional insurance can be added to the policy to cover physical damage to the motorcycles as well as custom parts, equipment and even roadside assistance.

Recreational Vehicles Insurance

Recreational Vehicle (RV) coverage is designed to protect your RV investment whether it is motorized, non-motorized or it is a pop-up trailer all the way up to the customized bus conversion. This policy will also help protect the items in your RV: such as clothing, computers, camera equipment, camping equipment, etc. Do you visit campgrounds? Liability insurance provides coverage in case someone is injured around your campsite.

ATVs - Although ATV’s are mainly used in an off road setting (hunting, trail riding, etc.), there are occasions that they will be driven on a public roadway. In this case, bodily injury and personal damage liability insurance is required. Your homeowners insurance may not cover you if you are off your residence premises. In addition to the liability coverage, comprehensive/collision coverage and uninsured/underinsured motorist coverage may be added to your policy.

Watercraft Insurance

Do you plan to rent a sailboat, houseboat, jet skis or other watercraft? Unfortunately, homeowners insurance provides minimal IF ANY coverage depending on your policy.

There is nothing better on a hot summer day than playing in the water. However, being in a boat or personal watercraft (PWC) does not exclude you from liability. Watercraft insurance is every bit as important as insurance for your auto and home. Besides loss replacement and liability on a boat or PWC, additional coverage for personal effects, fishing equipment, emergency towing, labor, property damage liability (fuel spill cleanups), etc can also be added to the policy. Watercraft policies will generally provide additional coverage that is not available with a homeowner policy.

Flood Insurance

Do you need Flood Insurance? Flood insurance is not included in a homeowners or renter insurance policy, and not everyone is required to carry it. If you are located in a flood zone and have a mortgage with a federally regulated institution, you will most likely be required to carry flood insurance. However, you do not need to live in a flood zone to obtain coverage. In most instances, there is a 30 day waiting period before coverage begins. Flood insurance is available through a program backed by the federal government.

Umbrella Insurance

If you are involved in a serious accident, do you have the finances available if you are sued?  Unfortunately these days anyone can be sued and the limits on your personal insurance policy may not be enough.  Purchase a personal umbrella policy for peace of mind. 

An umbrella policy provides an additional layer of liability protection which sits over the top of your primary or underlying liability insurance (i.e., auto, home). This valuable umbrella protection picks up where your primary personal insurance policies leave off; expanding the liability coverage you many need in the event of a serious accident.

Health Insurance

Individual Health Insurance

Do you or your family prefer a health insurance plan with doctor office co-pays, a prescription drug card, etc…or would an HSA be a better fit for you?

Let us help you design a plan to provide your family with a safety net with an accident, cancer or other type of policy that pays you cash benefits that you can use for out of pocket expenses like deductible or to use however you wish.

Health Savings Account

Would an HSA be a better fit for you and your family?

Group Health Insurance

No matter if your business is big or small; we can find a group health insurance plan that’s right for you and your employees. You can choose from many different options, including ‘traditional’ type of insurance plans to HSA plans, to self-funded plans. We also have group life, dental, disability, vision and supplemental insurance, such as accident or cancer plans for groups.

Need more information?   Talk to one of the professionals listed below at Gregory’s Insurance.

Medicare Supplement Insurance

Retirement can be an exciting time. The “good life” has just begun! You finally have the time and freedom to do so many things you’ve wanted to do. It’s also time to consider enrolling in a Medicare Supplement plan.  Retiring or turning 65 soon? Gregory’s is ready to assist you in purchasing a medicare supplement policy to help cover the remaining charges after Medicare pays. In addition to your Medicare Part A Hospital Coverage and your Medicare Part B Physician’s Services and Supplies, you may want to purchase a Medicare Supplement or MediGap Policy.

Medicare Supplement policies help you pay deductibles or excess charges that Medicare Part A or B does not pay.

In Nebraska these plans are standardized so if you get a Plan F Medicare Supplement, the benefits are the same no matter which company you choose…so choose an agent that will be there to help you when you need it.

Long Term Care Insurance

Long Term Care Insurance (LTCI) will do many things; one of which is to protect the assets you’ve worked so hard to accumulate. It is worth your time to consider LTC insurance and the younger you are, the lower the premium. There are many different options to choose from to adapt a policy to fit each individual’s needs.

We love to educate clients on the importance of long-term care insurance and all of the options with LTCI, if you want to learn about LTCI or just want a highly qualified professional to help you choose, contact us!

Life Insurance

Life insurance provides you peace of mind and can provide your family with financial stability and security when it matters most.

Some Things to Consider regarding Life Insurance:

Commercial Property Insurance

Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace buildings, structures, and contents that are damaged or destroyed because of fires, storms, or other events outlined in the policy. It also pays to replace stolen or lost property. Business owners can buy commercial property insurance whether they own, rent, or lease a building. If you rent or lease a building, the building owner’s policy probably won’t cover the contents of the building that belong to you. You will need to buy your own policy to insure your on-premises property, including machinery, furniture, and merchandise. The cost of tenant coverage is usually significantly less than building coverage because the policy will only cover contents, not the building itself.

Commercial General Liability Insurance

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims. General Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

Employment Practices Liability Insurance

Employment Practices Liability Insurance provides protection for an employers to defend themselves against employment claims that can be expensive and distracting.  It provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. In addition, there is an option to include coverage for alleged discrimination or sexual harassment claims brought by third parties (nonemployees, such as customers, vendors, tenants and clients). It covers your firm, including its Directors and Officers. Employment practices liability coverage is generally an exclusion found under most standard general liability insurance policies.

Directors & Officers (D&O) Insurance

Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously. It has become closely associated with broader management liability insurance, which covers liabilities of the corporation as well as the personal liabilities for the directors and officers of the corporation.

Commercial Inland Marine Insurance

Inland marine policies have become known as "floaters" since the property to which coverage is extended essentially is "floating or movable." The coverage has grown to include property that involves an element of transportation. The property that is insured under inland marine coverage is typically one of the following:

Commercial Auto Insurance

Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance. Your personal auto policy will exclude coverage for commercial use of your vehicle.  Let us address your commercial auto needs rather it be a car, pickup, a dump truck, flat bed trailer, a van or another type of vehicle.  Coverage can be as unique as the driver behind the wheel just as your business needs are unique.

Business Owners Policy (BOP)

A Business Owner’s Policy (BOP) is designed for your small or medium size business that you have worked hard to make a reality. What will happen if a fire damages or destroys your office and your business must close for an undetermined amount of time? Is your building and its contents adequately covered?

It is usually more cost-efficient to purchase pre-packaged business owner’s coverages rather than individual coverages. Typically, property damage, business income coverage and comprehensive general liability make up a business owners’s policy. In addition, there are specialized coverages available to fit your specific needs. We make it our goal to understand the unique exposures that need to be considered when designing an insurance package for your business.

Workers Compensation Insurance

Most of you know that workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they are killed in work-related accidents, including terrorist attacks.

The workers compensation system is the "exclusive remedy" for on-the-job injuries suffered by employees. As part of the social contract embedded in each state's law, the employee gives up the right to sue the employer for injuries caused by the employer's negligence and in return receives workers compensation benefits regardless of who or what caused the accident, as long as it happened in the workplace as a result of and in the course of workplace activities.

Insurance Bonds

Many types of insurance bonds exist to fit particular business situations.

Surety Bonds protect consumers and investors alike against business fraud, faulty work or unethical practices. A Surety Bond is a type of contract guaranteeing fair business practice and a guarantee against unlawful, unethical and unfair behavior.

License and Permit Bonds are some of the most common bonds. These bonds are often held by general contractors such as electricians plumbers and general contractors. Before working on a job or in a business, a contractor may be required by a city or state to be bonded, insuring >thatthe individuals will comply with local ordinances or code.

Contract Performance Bonds legally binds the parties to complying with the written terms and agreements of a legal contract. Most contract bonds guarantee a level of performance and are often used for large construction jobs or other big projects that are dependent on time constraints and job performance. Contract bonds can be based on bidding levels, as well as performance and payment bonds, protecting both the contractor to receive payment for services rendered and for the client that the job is done to stated specifications and written conditions.

Public Official Bonds is a guarantee that the individual elected will serveto the best of their ability within the confines of laws or ordinances of local, state or federal government. Not all public offices require bonding. Most common are for treasurers, notaries, tax collectors and judges.

Court Bonds typically deals with trustees or fiduciaries in cases involving statutes of estates, bankruptcies, foreclosures or other actions taken through litigation. These type of bonds ensure that the individuals handling the finances are honest and faithful to their duties. Examples are executors of wills, guardians of minor -- who have inherited trusts or large sums of money -- trustees or administrators of bankruptcies of foreclosures.

Commercial Umbrella

Commercial Umbrella Insurance – Because Accidents Happen

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:

Cover your business with umbrella liability insurance

A business umbrella policy picks up where your business auto liability,general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage can pay the outstanding $500,000—which is a lot less painful than having it come out of your business profits.

Farm & Ranch Insurance

Gregory’s Insurance understands the unique risks and exposures needed to protect farmers and ranchers. Because each operation is different, we will begin with a basic package of coverage and then tailor the coverage to the specific needs of the farm or ranch.

We can design a package for all sizes of farm and ranches from small acreages to large commercial farm operations.

Irrigation Equipment Insurance

Purchasing irrigation equipment insurance protection is not a difficult decision, but it is important. Depending on the age of your pivots, replacement cost coverage with no depreciation on repairs may be available. We also offer coverage for damage to an irrigation unit caused as a result of a mechanical or electrical failure depending again on the age of the unit. As an example, towers collapse for no obvious reason, a bolt shears off, or a micro switch failure to name a few.

We understand your business and we are here to help you protect it. You pay only for the coverage you need to protect your assets.  Protect your pivot investment by visiting with the hometown professionals at Gregory’s Insurance.

Multi Peril Crop Insurance (MPCI)

Gregory's Insurance has specialized in the Multi Peril Crop Insurance program for over 15 years. Gregory's represents strong companies backed by sound products. Gregory's Insurance believes that the Multi Peril Crop Insurance program is a risk management tool where family's lifestyle are preserved by avoiding financial interruptions.

Gregory’s Insurance has an experienced, knowledgeable staff to help you with all of your MPCI and Stand Alone Hail insurance needs. We understand that your crop insurance needs will differ from year to year as well as from crop to crop. We understand that protecting your crops is protecting your livelihood. Stop in or give us a call and we will be glad to sit down with you and assist you in finding the right crop insurance solution for your individual needs. We are your Hometown Professionals you can trust.

Gregory's Insurance has three crop insurance agents available that can offer crop insurance products that will improve profits in good years, provide cash flow, and stabilize long-term business plans.

Hail Insurance

Production Hail Coverage

The Production Hail crop hail policy is an efficient alternative to more traditional hail insurance plans. With Production Hail, coverage is strategically concentrated on the part of your yield that is left exposed with Multiple Peril Crop Insurance (MPCI), Yield Protection (YP) and Revenue Protection (RP).

Full Coverage

A policy that gives the insured a payment that equals the percent of loss multiplied by the insured value per acre.

DDA Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 10%, and then the Company shall have liability for the percent of loss in excess of 10%, except that when the percent of loss exceeds 20%, the Company shall have an additional liability for 2.00 times the percent of loss in excess of 20%. This provision does not apply for losses greater than 25%.

DDB Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 20%, and then the Company shall have liability for the percent of loss in excess of 20%, except that when the percent of loss exceeds 30%, the Company shall have an additional liability for 2.00 times the percent of loss in excess of 30%. This provision does not apply for losses greater than 40%.

DXS5 5% Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 5%, and then the Company shall have liability for 1.25 times the percent of loss in excess of 5%, once the percent of loss equals or exceeds 25%, this provision no longer applies.

DXS10 10% Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 10%, and then the Company shall have liability for 1.25 times the percent of loss in excess of 10%, once the percent of loss equals or exceeds 50%, this provision no longer applies.

XS20IP 20% Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 20%, and then the Company shall have liability for 1.25 times the percent of loss in excess of 20%.

DXS20-70 Deductible – The Company shall have no liability for loss to any acre of crop until loss or losses exceed 20%, and then the Company shall have liability for 1.40 times the percent of loss in excess of 20%, except that when the percent of loss equals or exceeds 70%, this provision no longer applies.

Livestock

True Peace of Mind Protection. A true livestock producer does not consider their cattle as “contents”. So why should their insurance?

Gregory’s Insurance offers a cattle or horse mortality policy with The Hartford. The following coverages are automatically included in the equine and bovine policies: Limited Animal Mortality, Livestock Mortality, Emergency Colic Surgery (applies to horses only). There are additional coverages available for Surgical Expense Option and Major Medical for a nominal fee. The Loss of Use coverage applies only to equine.

Do you know your cattle are not covered under your farm policy for smothering or freezing during a snow storm? Gregory’s Insurance can provide you a quote for the Livestock Feeding and Growing Facility coverage available thru The Hartford with a policy limit of up to $10,000,000 per Occurrence, $10,000,000 Listed Location limit per occurrence and $1500 per head limit. Additional coverages such as contaminated feed and smothering/freezing are also available. This policy is designed to protect valuable livestock for an array of perils.

Contact your Hometown Professional agent at Gregory’s Insurance for more information and/or a quote for the coverage that fits your operations.

Automated Crop Reporting

Automated Crop Reporting is a breakthrough process that allows producers using precision farming (like Greenstar) along with farm mapping software (like Apex) to easily submit acreage and production reporting to Gregory’s Insurance. This helps streamline the process of communicating required field information for government agencies and saves time while simplifying crop insurance reporting.

Gregory’s Insurance is an agent for John Deere Crop Insurance. If interested in making the ultimate use of your AMS guidance system along with competitive rates, our crop insurance specialist would like to visit with you about John Deere Crop Insurance.

Benefits of Automated Crop Reporting:

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