Business Insurance in Nevada FAQ - Quick Answers

The cost of your business insurance in Nevada will vary depending on your policy and unique risk factors. Take a look at what carriers use when rating your policies below:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

Several policies could be necessary for your business to be fully protected. In Nevada, you'll be mandated to have workers' compensation coverage with just one employee or more, and commercial auto insurance for any company-owned vehicles. 

Each Nevada business will have custom policies that are tailored to their risk exposures. However, there are primary policies that are commonly purchased as follows:

In Nevada, general liability insurance is typically your primary policy for your business. Check out what your general liability covers below:

If you want to offer company health insurance to your staff, you'll need to get with a trusted adviser for custom quotes through private carriers. In Nevada, you're not required to provide health coverage until you reach 50 employees or more, but many do so anyways. 

When it comes to finding the best insurance carrier for your business coverage, you'll have options. In Nevada, Nationwide, Hiscox, Travelers, and Hanover are highly rated. This is due to their superior claims service and excellent coverage offerings.

Do You Know What Your Business Insurance Covers in Nevada?

Find the Best Business Insurance in Your City

National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars
Carson City6,630n/an/a
Enterprise7,897n/an/a
Fernley852n/an/a
Henderson25,9062.861.74
Las Vegas55,8566.394.39
North Las Vegas13,0704.84.46
Pahrump2,328n/an/a
Paradise20,828n/an/a
Reno21,5773.234.64
Sparks6,1934.843.55
Spring Valley17,658n/an/a
Summerlin South2,586n/an/a
Sunrise Manor9,812n/an/a
Whitney1,852n/an/a
Winchester3,908n/an/a
  1. Las Vegas, NV
  2. Business Insurance Common Coverage Options
  3. Property: The crime rate in Las Vegas is among the highest in the state. Every year, around 25,000 thefts and 12,000 burglaries are reported in this city. You can shield your business from losses caused by crimes such as shoplifting, looting, and even embezzlement by your employees with the crime insurance offered in your business insurance policy.
  4. Commercial auto: Whether you are insuring a delivery van or a fleet of construction vehicles, commercial auto insurance can cover costs associated with auto repair following a collision and with your company’s increased liability risks. This insurance is required for company-owned vehicles in this state. If your vehicles are driven over state lines, you will need to be sure that your policy also meets federal coverage requirements. 
  5. Workers’ compensation insurance: Can cover medical bills and lost wages for workers who are injured on the job or who are stricken with an occupational illness. Rates for this coverage are based on your company’s overall payroll and the potential risks faced by your employees according to their job classifications. All employers in Las Vegas are required to have this insurance.


  • Henderson, NV
  • Business Insurance Common Coverage Options
  • Property: You will want to be sure that your business policy adequately covers all of your commercial property. That way, if your business is destroyed by a major disaster like a fire or an explosion, you can easily afford to rebuild and replace it so your company can get back to normal operations. Sometimes this means adding additional coverage such as inland marine insurance or boiler & machinery insurance.
  • Commercial auto: If your business owns a vehicle or a fleet of vehicles, you will be required by state law to cover them with commercial auto insurance. Your rates will be based on several factors, including the number and types of vehicles you are covering, details about the employees who will be operating them, and the risk of collisions and auto theft where they will be driven.
  • Workers’ compensation insurance: Is required if your Henderson business has at least one employee. This insurance can cover medical treatment, lost wages, and other costs associated with workplace injuries and occupational illnesses. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates can vary significantly from one business to the next.


  • Reno, NV
  • Business Insurance Common Coverage Options
  • Property: Your business has probably invested a lot in its assets such as computers, furniture, machinery, inventory, and supplies. Commercial property insurance can help cover the cost of repairing or replacing this property if it is lost or damaged due to a covered event such as a severe weather event or a crime. 
  • Commercial auto: Your business is required to have commercial auto insurance if it owns a vehicle or a fleet of vehicles. Rates for this coverage are based on several factors, like the types of vehicles you are covering and information about the employees who will be driving them. Large trucks and construction vehicles cost more to insure than cars and cargo vans, since they are large and heavy and can therefore cause much more damage if involved in an accident.
  • Workers’ compensation insurance: Is designed to cover the cost of medical treatment, lost wages, and other expenses related to injuries or illnesses your employees suffer because of doing their jobs. It is required for all employers in Nevada. Workers' compensation rates are assigned according to your company’s overall payroll and the types of jobs your employees do.


  • Paradise, NV
  • Business Insurance Common Coverage Options
  • Property: Having sufficient commercial property insurance can shield your company from losses related to hazards like accidental fires, property crimes, and severe weather events. To be covered against flood damage, you will need to include a commercial flood insurance policy in your business insurance policy package. 
  • Commercial auto: If your Paradise business owns a vehicle or fleet of vehicles, you will be required by state law to carry commercial auto insurance. This insurance is designed to cover your company against its increased risks of expensive liability lawsuits if one of your drivers causes a collision. Rates for coverage can vary according to the number and types of vehicles you are covering, as well as the accident and auto theft rate in the areas where your employees will be driving.
  • Workers’ compensation insurance: Covers medical expenses and paid time off for employees who are injured on the job or are stricken with an occupational illness. If your Paradise business has at least one employee, you are required by Nevada state law to have this insurance. Rates for coverage can vary significantly from one business to the next, depending on the types of jobs your employees do and your company’s overall payroll.


  • Spring Valley, NV
  • Business Insurance Common Coverage Options
  • Property: There are many ways that your Spring Valley business may sustain property loss or damage. Property crimes, like theft and arson, and severe weather events, like electrical storms and windstorms, can lead to expensive losses if you are not properly insured.
  • Commercial auto: Many businesses in Spring Valley have company-owned vehicles. From company cars to delivery vans to 18-wheelers, if your company owns vehicles, they must be covered by a commercial auto insurance policy that meets or exceeds the state’s minimum coverage requirements. If these vehicles are used for interstate commerce, they must meet federal requirements as well. 
  • Workers’ compensation insurance: Covers medical bills and lost wages for workers who suffer occupational illnesses or are injured while doing their jobs. It is required for all Nevada businesses that have at least one employee. Rates are assigned according to your company’s payroll and the types of jobs your workers do.