Nevada Workers’ Compensation Requirements

An A-Z guide on everything you need to know before you purchase a Nevada Workers' Comp Insurance Policy

Nevada workers’ compensation requirements mandate that businesses that employ at least one person purchase workers’ comp.

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Minors, part-time employees and seasonal workers need to be covered by a policy.

Sole proprietors and partners are excluded but can purchase coverage if they wish to be included in a policy.

Is workers’ comp insurance required in Nevada?

Unless excluded by statute, businesses are required to have workers’ compensation insurance in Nevada. This applies to adults and minors, full-time and part-time employees, seasonal workers, undocumented immigrants, musicians, and elected and appointed public officers. 

Do you need workers’ compensation insurance in Nevada if you’re self-employed?

Partners and sole proprietors in Nevada do not need to have workers’ compensation coverage

They can choose to get coverage voluntarily.  If a sole proprietor wants coverage, they will need to fill out a D-45 form

If a contractor chooses to hire employees, they do need to have workers’ compensation for those people.

Who is exempt from Nevada workers’ compensation requirements?

Several groups are exempt from Nevada workers’ compensation laws including stage performers, domestic or agricultural workers, clergy, and real estate brokers. Some more interesting categories include musicians performing casually for two or fewer days and not recurring for the same employer and voluntary ski patrollers who receive no compensation beyond meals and lodging.

How much is workers’ comp coverage in Nevada?

Your Nevada workers’ comp rate will depend on the following factors:

  • The type of business you have
  • The size of your payroll
  • Your safety record
  • Claim history
workers comp policy cost

How can Nevada small business owners save money on workers' comp?

While nearly all businesses in Nevada need to have workers’ compensation, that doesn’t mean it has to be an extravagant expense. There are several ways for business owners to get a policy without spending a ton of money on it. 

Some of the best ways to cut costs include:

  • Making sure all employees are classified properly. If they are in a more expensive code, you will be paying extra for them for no reason.
  • Creating a return-to-work program for injured employees. Having such a program helps injured workers return to work faster and helps keep claims costs down.
  • Starting a safety training program. By keeping safety top of mind, you will create a safer work environment which usually lowers the number and severity of claims.
  • Using your dividends following your audit each year. This is a great way to save some money and many people forget to ask for them.

How does workman’s comp work in NV?

Many states have a similar process for workers’ comp. The first part of the process is to get a few quotes for a workers’ comp policy from an insurance agent. These will be based on your estimated annual payroll. 

Then you will pick a quote, finalize with the insurance company and you'll pay the premium for a year of coverage. When the term is complete, the insurance company will audit your payroll to see the true payroll numbers. 

Since the policy was based on estimated payroll, the final number is usually different and may result in you getting a refund or a bill for the difference. 

What does workers’ comp cover in Nevada?

Workers who file a workers' comp claim in Nevada can receive benefits for the following:

workers comp covers medical bills

Medical bills

workers comp covers lost wages

Lost Wages

Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.

How to get workers’ comp insurance in Nevada

Most of the time, a business will buy insurance from an insurance company authorized by the Division of Insurance (DOI) to offer workers’ compensation in Nevada. This is usually the cheapest and easiest way to get coverage.

Qualified employers can also choose to be self-insured. This only makes sense for very large companies. This requires going through an approval process with the DOI. Approved self-insured associations and self-insured employers can be found on the DOI website.

What happens if I don’t have workers’ comp insurance in NV?

There can be several consequences for those who do not have appropriate workers’ compensation in Nevada. 

If you have any employees and are not exempt, not having insurance can lead to the following:

  • Fines of up to $15,000
  • Forced closure until proper insurance has been acquired
  • Financial responsibility for all costs associated with employees who sustain a work-related injury
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What are workers’ comp death benefits in NV?

Death benefits are available for a worker’s spouse and children if they die due to injury on the job. If there are no kids or a spouse, the money may go to dependent parents or minor siblings. 

The burial allowance maximum for Nevada is $10,000. Nevada families can also be paid the state's weekly average wage with 50% going to a spouse and the other half to a child. There is no minimum but the maximum per week is $831.88. 

Death benefits can be paid for an unlimited amount of time. However, they will stop if the spouse dies or gets married. Children will stop getting benefits at 18 or 22 if they are a student.

How do workers’ comp settlements work in NV?

Settlements to workers’ comp in Nevada are determined based on negotiations by the insurance company and the person who was injured. The settlement can be either a lump sum or a settlement that goes out each year. 

Many factors go into the settlement, such as wage replacement, medical costs, and percentage of loss of function. Settlements can take weeks or months to conclude depending on the situation and settlement amount.

What are the statutes of limitations regarding workers’ comp in NV?

Nevada has a fairly strict timeline in place for when a workers’ compensation claim can be made. After an injury or diagnosis of an occupational illness or disease, the filing must occur within 90 days. 

This starts when the worker notifies their employer of the injury, seeks medical treatment, or misses work for the injury.

How do I get a workers’ comp insurance policy with Kickstand Insurance?

Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!

Learn more about Workers' Comp in Nevada

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