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Business Insurance in Nevada

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Learn about Nevada's insurance requirements

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What are the requirements for small business insurance in Nevada?

State laws can affect which insurance policies you need for your small business. These policies are required for Nevada businesses.
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Workers' compensation insurance

Nevada state law requires all businesses with employees – as well as independent contractors, subcontractors, and their employees – to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Nevada must be covered by commercial auto insurance. Nevada requires a minimum of $20,000 property damage liability per accident, $25,000 bodily injury liability per person, and $50,000 bodily injury liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Nevada

General liability insurance icon

General liability insurance

This policy is important for all Nevada businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
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Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
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Cyber liability insurance

This policy helps Nevada businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
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Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Nevada business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

State law requires workers’ compensation insurance for Nevada businesses that have employees. It can cover medical costs for work injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Commercial auto insurance

This policy is required for business-owned vehicles in Nevada. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Nevada business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Nevada business insurance

In Nevada, insurance agents, agencies, and brokers are licensed by the Nevada Division of Insurance. Insureon is licensed in Nevada as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 716385) and for surplus lines (license number 716384). You can verify our licensure with the Sircon Corp. Verification System by selecting Nevada, Agency, and entering either of our state license numbers.

What our customers are saying
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."
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