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Nevada Workers’ Compensation Insurance

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

Workers’ Compensation can help pay for:

Medical expenses

Medical expenses

Includes examinations, treatments and rehabilitation.

Lost wages

Lost wages

Gives employees time to recover from an injury before returning to work.

Retraining

Retraining

Helps employees who need to learn skills and enter a new field.

Permanent injury

Permanent injury

Provides benefits for employees who can no longer work due to injury.

Is Workers’ Compensation insurance required in Nevada?

While Nevada is known for taking a lighter touch than other states with regulating businesses, it still requires almost every private employer to have and maintain workers’ comp 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 you don’t have coverage and you work as a sole proprietor, clients might request proof of coverage before signing a contract to work with you, so it’s good to be prepared.

Start a free online instant quote to get a free quote and explore options for your business.

Who is exempt from Workers’ Comp insurance in Nevada?

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 does Workers’ Compensation work in Nevada?

When you purchase a workers’ comp policy in Nevada, your employees will be covered for work-related injuries by what the insurance industry calls a “no-fault policy.” This means they get the protection provided by the coverage and you, as a business owner, are also protected.

Employers are especially protected in Nevada because employees can not claim additional damages if they were properly covered at the time of the workplace injury. This is known by another industry term called “exclusive remedy.”

For example, you own a mechanical business fixing slot machines. One of your employees breaks his finger while working on a machine. He goes to the emergency room, where he receives medical attention including x-rays and casting.

Workers’ compensation would help pay for emergency treatment expenses up to the policy limit.

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

  •  Medical treatment
  •  Lost time compensation
  •  Permanent Partial Disability
  •  Permanent Total Disability
  •  Vocational Rehabilitation
  •  Dependent’s benefits in the event of death
  •  Other claims-related benefits or expenses (ex. mileage)

Workers’ Compensation benefits in Nevada

Workers’ compensation benefits in Nevada generally include four areas that can help cover loss of income after a workplace injury. The maximum annual amount is determined by the average monthly wage set by the state government.

Benefits include:

Temporary total disability, which is paid out to workers who need to take more than five days off due to a work-related injury. The benefits will be up to two-thirds of their average monthly wage, but will be capped at a maximum amount that is calculated annually.

Temporary partial disability can cover employees who are able to work, but must do so in a lesser capacity due to injury, and their wages are affected. The benefits are calculated by the difference between your post-injury wages and what would be your temporary total disability rate.

Permanent partial disability is assessed when the injured worker can work but will have permanent limitations. The employee is 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 will be made up to two-thirds of their monthly salary and made for life.

Workers’ comp death benefits in Nevada

In the unfortunate 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.

How much does Workers’ Comp insurance cost in Nevada?

Because the risk of on-the-job injury is greater for certain industries, workers’ comp costs vary across professions.

Factors that influence price include:

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

How NEXT Insurance helps business owners find Workers’ Comp coverage

NEXT insurance offers workers’ compensation insurance that is customized to meet the needs of thousands of different types of businesses in Nevada.

Start a free instant quote online to see how much coverage will cost for your business and access your certificate of insurance.

You’ll just need to answer a few questions to get a quote in less than 10 minutes. Our U.S.-based licensed insurance advisors are standing by to help if you have any questions.

Other business insurance policies that are important in Nevada

Workers’ comp provides you and your employees with important protections, but you might still need to include additional coverage in your Nevada business insurance package to make sure you are protected from the business risks you face every day. Most Nevada businesses also consider these options:
We typically recommend:
General Liability
General Liability Insurance

General liability insurance protects your business from common mistakes or accidents that can occur in your industry, 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’re using your personal vehicle for work-related purposes, commercial auto insurance also protects your business from unexpected expenses if you are involved in an accident.



Errors & Omissions
Professional Liability insurance (a.k.a. E&O insurance)

Professional liability insurance provides financial protection against claims of professional mistakes and negligence.



Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

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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.