Nevada Workers’ Compensation

Table of Contents

• Is Nevada Workers’ Compensation insurance required?
• How does Workers’ Comp work in Nevada?
• How much is Nevada Workers’ Comp?
• Who is exempt from Nevada Workers’ Compensation insurance?
• How NEXT helps Nevada small business owners

Is Nevada Workers’ Compensation insurance required?

Nevada requires almost every private employer to have and maintain workers’ compensation insurance.

If you or an employee is injured on the job, a workers’ comp policy generally can help pay for:

• Emergency treatment
• Medical bills
• Lost wages
• Death benefits

Even if coverage is not required for your employment status, clients might request proof of insurance coverage before signing a contract to work with you, so it can be a good idea to be prepared.

How does Workers’ Comp work in Nevada?

When you purchase a workers’ comp policy in Nevada, you and your employees could be covered for the cost of work-related injuries and illness.

Employers who carry workers’ comp could be more protected in Nevada because employees cannot claim additional damages if they were properly covered at the time of their workplace injury.

In Nevada, workers’ compensation requirements provide benefits, such as:

• Medical treatment
• Lost time compensation
• Permanent partial disability payments
• Permanent total disability payments
• Vocational rehabilitation
• Death benefits
• Other claims-related benefits or expenses (ex. mileage)

For example: If you own a business fixing slot machines and one of your employees breaks a finger at work, workers’ compensation insurance could help pay for the emergency room, x-rays and casting up to the policy limit.

Workers’ compensation benefit payments are set by the state government in Nevada. Four benefit types include:

Temporary total disability, which is paid to workers who need to take more than five days off due to a work-related injury. Benefits are up to two-thirds of their average monthly wage and capped annually.

Temporary partial disability can cover employees who are able to work in a lesser capacity due to injury. Benefits are calculated by the difference between post-injury wages and the temporary total disability rate.

Permanent partial disability is assessed when the injured worker can work with permanent limitations. Employees are given an impairment rating based on the American Medical Association’s Guides to the Evaluation of Permanent Impairment. Monthly compensation is based on their monthly salary until the age of 70.

Permanent total disability means the injured person can no longer work. Payments of up to two-thirds of their monthly salary are made for life.

In the event of an employee’s death, their spouse, children or other dependents can receive death benefits and funeral expenses. A worker’s family members can receive up to $10,000 in funeral and burial expenses.

Learn more about workers’ compensation coverage.

How much is Nevada Workers’ Comp?

Workers’ compensation costs vary across industries. Factors that influence price include:

• The number of employees and the type of work they do
• Your total payroll
• Your insurance claims history
• The locations where you do business

The best way to determine the insurance rate for your business is to get a free instant quote from NEXT.

Who is exempt from Nevada Workers’ Compensation insurance?

There are very few exemptions for Nevada workers’ comp requirements. They usually involve temporary or short-term work, including:

• Employees brought into Nevada temporarily who are covered by insurance from another state.
• Jobs that are not subject to Nevada’s laws, such as interstate commerce.
• Employment lasting no more than 20 days with a total labor cost under $500.

How NEXT helps Nevada small business owners

NEXT offers an easy way to get a free workers’ compensation insurance quote, purchase coverage and instantly share a certificate of insurance in about 10 minutes.

NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.

Start a free instant quote with NEXT.

• What to do when an employee is injured at work
• Does a sole proprietor need Workers’ Compensation insurance?
• How to file a Workers’ Comp claim
• What is a Workers’ Compensation audit?
• How Does a Workers’ Comp Claim Affect the Employer?
• What is a monopolistic state for Workers’ Comp?
• What is a Workers’ Comp exemption?