Nevada Workers’ Compensation

You can save up to 25% in discounts on business insurance.*

What can be covered by Nevada Workers’ Compensation insurance?

Medical expenses

Medical expenses

Like exams, treatment and rehabilitation.
Lost wages

Lost wages

For employee recovery after a work injury.


To teach injured employees new skills if they can no longer do their jobs.
Permanent injury

Permanent injury

Benefits for employees who can no longer work due to injury.

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.

Other important business insurance policies in Nevada

Workers’ compensation insurance provides many important protections, but you’ll need additional coverage to protect from all the risks your small business can face.
Many Nevada small businesses also consider:
General Liability
General Liability insurance

General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.

Commercial Auto
Commercial Auto insurance

In Nevada, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance helps protect your business from accidents.

Commercial Property
Commercial Property insurance

Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.

Errors & Omissions
Professional Liability insurance

Professional liability insurance, also called errors & omissions insurance, provides financial protection against claims of professional mistakes and negligence.

More resources for small business owners

Get customized insurance in Nevada

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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.