Nevada workers' comp and liability insurance

Who must carry workers' comp in Nevada

Any Nevada employer with at least one employee must carry workers' compensation (NRS 616B.633). Household domestic service and casual employment are exempt. Sole proprietors are excluded unless they elect coverage. Corporate officers and LLC managers are covered at a deemed salary for premium purposes, though owner-officers and unpaid officers can reject coverage in writing. Coverage is written by private carriers, and Nevada uses NCCI loss costs approved by the Division of Insurance.

Which companies write workers' comp in Nevada

Nevada no longer has a state fund. Private carriers were allowed to compete with the State Industrial Insurance System (SIIS) starting July 1, 1999, and SB 37 made SIIS itself a private insurer on January 1, 2000. Today a Nevada employer can buy a policy from any private carrier licensed in the state, be certified by the Division of Insurance as a self-insured employer (individual self-insurers need a tangible net worth of at least $2.5 million), or join one of the state's associations of self-insured employers. Businesses no carrier will write voluntarily go to the Nevada Workers' Compensation Insurance Plan, the assigned-risk market administered by NCCI, which usually costs more. Because carriers price the same agency differently, we quote several for you at once.

Nevada workers' comp rates in 2026 and 2027

The Division of Insurance approved an average 21.6% increase in NCCI loss costs on March 1, 2026, after a 6.5% increase in 2025, and has approved another 8.6% increase for March 1, 2027. A separate October 1, 2026 filing restructured loss costs for a law change (SB 317); NCCI designed it to be premium-neutral overall, so it isn't a price cut. Nevada has historically been one of the cheaper states for workers' comp: Oregon's 2024 premium rate ranking put it 42nd of 51 jurisdictions at $0.73 per $100 of payroll, against a national median of $1.09, though that study predates the 2026 increase.

Penalties for going without coverage

• Administrative fines of up to $15,000 (NRS 616D.200 and NAC 616D.345)
• A misdemeanor for a first offense, rising to a category C felony with fines of $1,000 to $50,000 if an employee is seriously injured or killed, or for a second offense within seven years (NRS 616D.200)
• Back premiums plus interest for up to six years
• Orders to stop business operations immediately (NRS 616D.110)

Surety bonds for Nevada care agencies

In 2025 Nevada moved personal care agency licensing into a new chapter, NRS 449B, and licensing to the Health Care Purchasing and Compliance Division of the Nevada Health Authority. Personal care agencies (NRS 449B.185), home health agencies providing nursing in the home and residential facilities for groups, which include assisted living (NRS 449.065), must file a surety bond with each initial and renewal application: $5,000 with fewer than 7 employees, $25,000 with 7 to 25, and $50,000 with more than 25. The bond protects clients 60 and older, and a lapse suspends the license.

Nevada license fees

• Personal care agency: $1,374 initial, $687 renewal
• Home health agency home office: $5,168 initial, $2,584 renewal
• Hospice program: $7,054 initial, $3,527 renewal
• Residential facility for groups: $2,386 plus $200 per bed initial; $1,193 plus $100 per bed renewal (NAC 449.013 and 449.016)

Coverage we build for Nevada agencies

• The NRS 449B or NRS 449.065 surety bond, sized to your employee count
• Workers' compensation for caregivers, nurses and office staff
• General and professional liability for client care
• Hired and non-owned auto, abuse and molestation, and employment practices liability