Business Insurance in Reno, NV

Experts detail where to find coverage, which types to look for, and more in Reno, Nevada.

Small business shop owner selling goods. Find Reno, Nevada business insurance.

Nearly 490,000 people in Reno, Nevada are employed by small businesses. These small businesses need protection for their workers, property, and operations, and against common threats. That means having business insurance.

The 270,000 small businesses across Nevada might want to discuss business insurance options with an independent insurance agent if they haven't already. Independent insurance agents can help you find coverage before unexpected disasters strike. But to start, here's a breakdown of business insurance in Reno, NV. 

How Much Does Business Insurance Cost in Reno, NV?

The cost of business insurance depends on how the following apply to your specific business:

  • Exact location
  • Number of employees
  • Amount of annual payroll
  • Amount of annual revenue
  • Coverages needed
  • Operations and exposures

Predicting the cost of your business insurance policy is difficult without knowing more specific details that can determine which types of coverage you'll require and how much. But an independent insurance agent in Reno, NV can provide you with several quotes in one place.

Is Business Insurance Required in Reno, NV? 

With few exceptions, businesses in Reno with at least one employee must, by law, provide workers' compensation. Businesses that do not have coverage can face $15,000 fines or worse. Workers' comp protects businesses and their teams if employees get injured, become ill, or die due to their job.

Employees cannot sue a business for related incidents if their employer provides workers' comp. But the other types of business insurance are not mandatory by law in Reno. However, a Reno, NV independent insurance agent can explain why your business should still consider getting a complete business insurance policy.

What Does Business Insurance Cover in Reno, NV? 

Your business's coverage needs may vary, but common core coverages found in business insurance policies across Reno, NV, and everywhere else include:

  • General liability insurance: Your business needs protection against third-party claims of bodily injury or property damage.
  • Cyber liability insurance: Your business needs protection against phishing, data breaches, and more that can lead to the distribution, theft, or corruption of private and sensitive electronic data like payment information.
  • Commercial auto insurance: Your business's company vehicles need protection against collisions, fire damage, theft, etc.
  • Employment practices liability insurance: Your business needs protection against employee claims against you for sexual harassment, discrimination, and more.
  • Premises liability insurance: Your business needs protection against third-party injury or property damage claims on your premises.
  • Pollution liability insurance: Your business needs protection against claims of polluting the environment and any associated cleanup costs.

Talk with an independent insurance agent in Reno, NV today to get your business equipped with all the coverage it needs.


Save on Business Insurance

Our independent agents shop around to find you the best coverage.

What Does Small Business Liability Insurance Cover in Reno, NV?

Having small business liability insurance can protect your business in case it gets sued by a third party. Without this coverage, you'd have to pay for attorney, court, and settlement fees on your own. Just one lawsuit could bankrupt a business that doesn't have the right protection.

Liability coverage is essential to protect against third-party claims of personal property damage or bodily injury by your business. Having enough liability coverage can mean the difference between success and failure for a business if they ever get sued. An independent insurance agent in Reno, NV can get you set up with coverage if you're in need.

Are There Any Small Business Health Insurance Plans in Reno, NV?

Small business health insurance plans are available through the Nevada Division of Insurance, Department of Business and Industry. You can apply for coverage online or with the help of a Reno, NV independent insurance agent. Your business can qualify for these plans if it has 50 or fewer employees.

Who Are the Best Small Business Insurance Companies in Reno, NV?

Though you can find small business insurance from many different Reno, NV carriers, here are just a few of our top picks to help you get started on your journey to finding the right coverage.

Best Small Business Insurance Companies in Reno, NV Star Rating
The Hanover
5 star rating
EMC Insurance
5 star rating
Liberty Mutual
4.5/5 star rating
5 star rating
5 star rating

Why Work with an Independent Insurance Agent in Reno, NV?

There's no such thing as a one-size-fits-all business insurance policy. With a wide variety of products and options at your disposal, you can put together a solid business insurance package that's custom-built for your company.

Independent insurance agents can help you choose the right policies and options to meet your company’s specific coverage needs. Because they're independent, these agents can work with several of the best business insurance companies in Nevada to find you the right coverage at a great price.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn Article | Reviewed by Paul Martin

©2023, Consumer Agent Portal, LLC. All rights reserved.