What to Know
You are required to carry workers' compensation insurance in Nevada if:
- You have any employees working in Nevada, whether full-time or part-time.
- You’re hiring someone who is not an employee. Nevada law requires employers cover any employees, subcontractors, independent contractors and their employees, unless the subcontractor is truly an “independent enterprise.” Employee or independent contractor? 10 ways to tell >>
Other regulations that may affect you:
- Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>
Where to Get It
- Nevada has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>
- If you’re still having trouble, you can contact Nevada's assigned risk pool, which will help you find coverage.
Factors That Impact Coverage
- You are a sole proprietor or partner: In Nevada, you are excluded from coverage but you may include yourself in coverage.
- You are a contractor: If you are a sole proprietor licensed as a contractor or subcontractor, you must find coverage.
- You are a corporate officer or member of an LLC: Nevada includes you in coverage, but you have the option to exclude yourself.
Nevada Key Resources
If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.
The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>