Business Insurance in Nevada

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Get small business insurance for your Nevada business

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Learn about Nevada's insurance requirements

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Recommended insurance policies for small businesses in Nevada

General liability insurance icon

General liability insurance

This business liability insurance is important for all Nevada businesses. It covers common risks, including personal injuries, and is required by most commercial leases.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Nevada businesses that provide professional services or advice. It covers lawsuits related to work performance.

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

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Nevada businesses that handle credit card numbers and other sensitive data.

  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Business owner’s policy icon

Business owner’s policy

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

  • Customer bodily injuries
  • Damaged customer property
  • Business property damage and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation coverage is required for all Nevada employees, even independent contractors. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

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.

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

Nevada small business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Nevada, from Las Vegas to Carson City.

Blue check mark

Workers' compensation insurance

The state of Nevada requires all businesses with employees – as well as independent contractors, subcontractors, and their employees – to carry workers’ compensation insurance.

This policy covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Nevada workers.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Nevada must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Nevada's minimum requirements for auto liability insurance are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

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

How much does small business insurance cost?

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

  • Type of business
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Nevada's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Nevada, insurance agencies, agents, 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.

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