Nevada Workers’ Compensation

Workers’ Compensation Insurance in Nevada

With few exceptions, Nevada state law requires every business with an employee to have workers’ compensation insurance coverage. This policy helps provide benefits to your employees if they get injured or ill while working. It can also help protect employers like you through “exclusive remedy,” which prohibits your employee from suing you for work-related injuries or illnesses.¹

Remember, it’s your responsibility as an employer to buy Nevada workers’ compensation insurance. You can get coverage for your business from a private insurance company, like us. To learn more, get a quote today.

How Does Workers’ Comp Work in Nevada?

Nevada workers’ comp insurance can help pay for necessary medical care to treat a job-related injury or illness. It can also help NV employees keep some of their income if they need time off to recover from a work-related injury or illness.

Some situations where workers’ comp can help protect your Nevada business and your employees, include your:

Employee getting into an accident while driving to meet with customers for your small business. Workers' comp can help cover your employee’s medical costs.
Construction employee falling off a ladder and breaking their leg. Workers' comp can help cover their costs for medical treatment and ongoing care.
Restaurant chef accidently getting a burn while cooking in the kitchen. Workers' comp can help cover some of their lost wages, medical treatment and ongoing care.
Staff getting injured when a beam falls in your factory. Workers' comp can help cover your injured employees’ costs.
Employee getting exposed to harmful chemicals at work and passing away. Workers' comp can help pay for their funeral and the medical costs they incurred while fighting the illness.

Is Workers’ Compensation in Nevada Required?

Nevada workers’ compensation insurance requirements indicate that businesses with at least one employee should have coverage. Luckily, getting the right coverage is easy. You can work with an insurance company, like us. To learn more, get a quote today.

Nevada Workers’ Compensation Benefits

Workers’ compensation insurance in Nevada provides benefits to your employees who become hurt or sick because of their job. It can also provide payments to your injured workers’ beneficiaries if they pass away due to a work-related cause. Workers’ comp also helps protect insured employers from claims alleging bodily injury or sickness caused by work.

Among other benefits, Nevada workers’ comp provides coverage for:²

Medical treatment costs
Partial compensation for lost time
Permanent partial disability
Permanent total disability
Vocational rehabilitation
Dependent benefits in the event of a death
Claims-related costs, such as transportation or mileage

It’s important to note that getting coverage is just the first step. From there, you’ll want proof of coverage, also known as a certificate of insurance. This helps you prove your business has the right workers’ comp coverage.

To learn more about workers’ comp and getting proof of coverage, get a quote today.

Nevada Workers’ Compensation Coverage

Nevada workers’ compensation can help cover:

Accident or injury costs if your employee gets hurt on the job.
Illnesses caused by exposure to allergens or harmful substances at work.
Missed wages if your employee takes time off from work to recover from a work-related injury or illness. Workers’ comp can help replace some of their lost wages.
Ongoing care costs if your employee with a work-related injury or illness needs additional treatment, such as physical therapy.
Funeral costs if your employee loses their life while on the job.
Disability benefits if your employee’s work-related injury or illness leaves them disabled.

Nevada Workers’ Compensation Exemptions

In Nevada, there are some workers’ comp exemptions, such as:³

Employees brought into Nevada on a temporary basis that have insurance from another state.
Interstate commerce jobs that aren’t subject to Nevada’s legislature.
Employment covered by private disability and death benefit plans.
Casual employment that lasts no more than 20 days and has a total labor cost under $500. Casual employment means a worker only gets hired for work that’s needed.

For more information on workers’ compensation exemptions, look through the Nevada Department of Business and Industry’s “Employer Guide to Workers’ Comp.”

Workers’ Compensation Nevada Rates

The Property and Casualty Section of the Division of Insurance approves workers’ compensation rates.⁴Nevada workers’ compensation laws allow for a competitive rating, but not an open rating. This means workers’ compensation insurance premiums get calculated using the National Council on Compensation Insurance (NCCI) loss costs, along with a loss-cost multiplier, schedule rating and other factors.⁵

How Much Does Workers’ Compensation Insurance Cost in Nevada?

It’s a question we are asked often: “How much is workers’ comp in Nevada?” Unfortunately, there isn’t just one answer we can give. That’s because the cost varies depending on your business. Some factors that influence how much you’ll need to pay for coverage include your:

State’s laws
Number of employees and payroll size
Industry

Nevada Workers’ Compensation Claims & Quotes

To file a state of Nevada workers’ comp claim, visit our workers' compensation claims page today. Most claims will end in a lump sum settlement.

^1,2 Nevada Division of Industrial Relations/Workers’ Compensation Section, “Workers’ Compensation Employers Frequently Asked Questions”

³ Nevada Department of Business and Industry, “Employer Guide – Workers’ Compensation”

⁴ Nevada Division of Insurance: Department of Business and Industry, “Workers’ Compensation”

⁵ Nevada Division of Insurance, “Workers’ Compensation Rate Filing”