State insurance guide
Nevada Business Insurance Guide 2026
Unless excluded by statute, a Nevada employer with one or more employees must provide workers' compensation insurance, and the Division of Industrial Relations states that construction trades are required to have coverage. Auto liability minimums and paid leave rules follow, each with its official source.
Explore Nevada requirements
Open the state requirements checklistUnless excluded by statute, a Nevada employer with one or more employees must provide workers' compensation insurance, and the Division of Industrial Relations states that construction trades are required to have coverage (Nevada Division of Industrial Relations, Workers' Compensation employer brochure (rev. 7/25)). Auto liability policies must carry at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage (NRS 485.185 (Nevada Legislature)). According to NCSL's table, there is no state paid family leave or disability insurance program to fund.
We checked each official source on October 3, 2026. Treat this as general information and confirm with the linked agencies how each rule applies to you.
Shopping for business insurance in Nevada? Request coverage help
Workers' compensation
Who must carry it: 1 or more employees (Nevada Division of Industrial Relations, Workers' Compensation employer brochure (rev. 7/25)).
Unless excluded by statute, it is mandatory for an employer who has one or more employees to provide workers’ compensation insurance coverage.
Source: Nevada Division of Industrial Relations, Workers' Compensation employer brochure (rev. 7/25)
Exemptions and exclusions
NRS 616A.110 excludes certain employments, including casual employment not in the course of the employer's business, household domestic service, farm and agricultural labor (except as otherwise provided), licensed real estate brokers and salespersons, certain direct sellers, clergy and volunteer ski patrollers (Nevada DIR: employer coverage requirements).
The agency to ask is the Nevada Division of Industrial Relations, Workers' Compensation Section. To check a proposal's payroll arithmetic, use the workers' comp calculator; the workers' compensation guide explains what the coverage pays for.
Auto liability minimums
Nevada sets these minimum auto liability limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident
- Start date: not stated in the source; confirmed in force on October 3, 2026 (NRS 485.185 was last amended in 2017)
- Source: NRS 485.185 (Nevada Legislature)
Commercial and for-hire vehicles can face different or higher federal or state requirements, and leases, lenders and clients can ask for more; see our commercial auto guide.
Paid leave and disability insurance
According to NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws), cross-checked on October 3, 2026 with the U.S. Department of Labor Women's Bureau, Nevada has no state paid family and medical leave insurance program and no state temporary disability insurance program.
Because legislatures can create programs, as Virginia did in 2026 (Code of Virginia § 60.2-801), check with the state agency that handles labor and workforce matters before relying on this for a future Nevada payroll year.
Other requirements to check
Licenses, leases and client contracts in Nevada can set their own general liability limits or certificate wording. The certificate of insurance checklist helps you track them, and the requirements-by-state guide compares states.
Where to verify
- Workers' compensation: Nevada Division of Industrial Relations, Workers' Compensation Section
- Auto liability minimums: NRS 485.185 (Nevada Legislature)
- Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau
Bring the questions from our state requirements checklist when you contact them. If you want PolicyBenchmark to follow up on your Nevada business, request coverage help.
Frequently asked questions
Does a Nevada business with one employee need workers' compensation?
Generally, yes: Nevada applies the requirement from the first employee (Nevada Division of Industrial Relations, Workers' Compensation employer brochure (rev. 7/25)). Exemptions listed above can still apply to particular workers or owners; the agency to ask is the Nevada Division of Industrial Relations, Workers' Compensation Section.
Are Nevada's auto minimums enough for business vehicles?
Nevada's minimums are $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage (NRS 485.185 (Nevada Legislature)). Treat them as the minimum the law sets rather than a target; commercial and for-hire use can trigger different or higher federal or state requirements.
Does Nevada require employers to pay into a paid leave program?
No, according to NCSL's table, last updated November 7, 2025 (NCSL): Nevada has neither a state paid family and medical leave program nor a temporary disability insurance program. Confirm before planning a future payroll year.
About this article
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.