Expert answers to all your business insurance questions.
The employer's guide to Nevada workers' comp insurance
If you’re trying to figure out Nevada workers’ comp—and what your obligations are as an employer—you’ve come to the right place. Business insurance is what we do. So we’ve put together everything you need to know about workers’ comp in Nevada—with links to a whole lot more information.
- Is workers’ comp insurance required in Nevada?
- What happens if I don’t get workers’ comp in Nevada?
- Do business owners have to buy workers’ comp for themselves?
- How do I get workers’ comp in Nevada?
- What is the cost of workers’ comp in Nevada?
- What are the workers’ compensation insurance limits in Nevada?
- What does workers’ comp cover in Nevada?
- What should I do if my Nevada employee is injured and needs workers’ comp?
Is workers’ comp insurance required in Nevada?
In a word: yes. If you employ at least one person in Nevada—full or part-time—you need workers’ comp insurance. It’s required. And it’s important for protecting both your employees and your company.
There are a few exclusions, though, such as casual employees who don’t work in the same kind of business as the entity employing them. So, for example, a landscape gardening business probably doesn’t need to provide workers’ comp coverage for the worker they contract to mop the office floor once a week. Real estate brokers, theater performers, and domestic service providers are also not required to have workers’ comp under Nevada state law (in most cases).
It’s important to remember, though, that these are exclusions. In general, if you have an employee in Nevada, you need workers’ comp.
What happens if I don’t get workers’ comp in Nevada?
You can face serious consequences if you operate a Nevada business without workers’ comp insurance.
- You could face an administrative fine of up to $15,000.
- You might be ordered to close your business until you’ve purchased coverage.
- You’ll be held financially responsible for all costs which arise from a workplace injury or illness. (That can be a hefty bill.)
- If your employee is not insured by workers’ comp, they are free to sue you for any damages. The cost of settling a lawsuit is, in most cases, far more than you would have paid for workers’ comp coverage in the first place.
Don’t take the chance. Just get workers' comp.
I’m a business owner in Nevada. Do I need to purchase workers’ comp for myself?
No, if you own a Nevada business, you’re not required to purchase workers’ comp insurance for yourself. Depending on how your business is organized, though, you might automatically be included in coverage. If you’re sure you don’t want to be included on your company’s workers’ comp policy, you’ll fill out a form to waive coverage (with Huckleberry, this is done completely online).
How do I get workers’ comp in Nevada?
In general, you’ll get workers’ comp through an approved private insurance carrier (find one with Google or get an instant Huckleberry estimate). There are two main ways to obtain workers’ comp insurance for your Nevada company:
- You can find a traditional insurer, fill out all the paperwork and mail in your forms, and wait a few weeks for everything to be final. This process can take a while, so start it early. (Learn more about buying workers’ comp here.)
- You can go digital (and get a quote in about five minutes).
What is the cost of workers’ comp in Nevada?
Quick background: Your workers’ comp payment is calculated mostly based on your payroll and the kind of industry you work in. The bigger the payroll, the more you’ll pay for workers’ comp. (Read more about how workers’ comp rates are calculated.)
To give you a ballpark range, the average cost for workers’ comp in Nevada is $1.31 per $100 of payroll. But the best way to learn what you’re likely to pay is to get a quick estimate here.
What are the workers’ compensation insurance limits in Nevada?
Great question! Here’s the thing: limits don’t matter much when you’re purchasing workers’ comp, because all levels of coverage are set by the state of Nevada. So you really don’t have any decisions to make. When you sign up for workers’ comp coverage and provide information about your company, you’ll automatically receive the appropriate level of coverage.
(Here’s another reason you and your employees don’t have to worry about limits: technically, there’s no financial cap on what an insurance company can pay in the event of an injury or illness. A serious injury might require benefit payments for the rest of a worker’s life, and workers’ comp coverage would cover that instance.)
So, what does workers’ comp cover in Nevada?
Workers’ comp coverage will pay for lost wages and medical expenses if a team member has an accident on the job or becomes ill from a work-related cause. For example, a team member can claim workers’ comp benefits if they were exposed to harmful chemicals because of their job or if they injured their back while lifting a heavy box at work.
Workers’ comp also covers things like rehabilitation and the cost of driving to medical appointments. And, if the worst happens, workers’ comp also pays death benefits. Read more about the benefits that are paid out by Nevada workers’ comp here.
Important to note: In Nevada, workers’ comp won’t cover an employee who intentionally harmed themselves or someone else on the job. Also, if an employee is found to have been under the influence of drugs or alcohol at the time of the incident, the claim will usually be denied. (It’s pretty common sense stuff.)
What should I do if my Nevada employee is injured and needs workers’ comp?
Take immediate action.
- First, make sure your employee gets immediate medical attention, if needed. This is your main priority.
- Make sure your employee has a copy of Form C-1: Notice of Injury or Occupational Disease (Incident Report). They’ll need to fill this out and get it back to you within seven days.
- Tell your insurance company.
Hey, we hope this was helpful! Keep in mind that we can get you a quote for Nevada workers’ comp in about five minutes. Everything is online. Everything is easy. Tap here to start.