Nevada Business Insurance

Customized protection for your Nevada business

Nevada business owners should consider carrying business insurance to protect against the various hazards associated with running a business, such as a customer slip and fall or an employee injury on the job. These incidents can lead to lawsuits and threaten a business’s cashflow without the proper business insurance.

Small businesses make up over 99.2% of Nevada businesses and employ 542,167 people, according to the U.S. Small Business Administration (SBA). These employers are required by law to protect their employees with workers’ compensation insurance.

Luckily, finding business insurance that suits your needs is easy with the Progressive Advantage® Business Program. We’ll match you with a customized business insurance policy that properly protects your livelihood.

Types of NV business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Nevada should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in Nevada are required to have workers’ comp insurance if they have one or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Nevada businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Nevada?

The cost of business insurance in Nevada is based on several factors, including your business’s size, location and coverage needs. For example, a small business located in Las Vegas with five employees will have a different cost than a business located in Reno with twenty employees.

Another factor that affects your business insurance rate is the type of work that you do. Different professions and specialties are exposed to varying amounts of risk and can expect to pay different rates because of it. For example, a landscaper specializing in lawn maintenance is exposed to a lower amount of risk than a tree trimmer who removes large trees and can therefore expect to pay a lower rate.

Learn more about factors that influence your business insurance rate.

Nevada business insurance requirements

Nevada businesses are required by state law to carry workers’ compensation insurance if they have one or more employees. Employers may purchase coverage from a private carrier licensed in Nevada or qualify to be self-insured by the Nevada Department of Insurance. Learn more about Nevada’s workers’ compensation requirements.

While workers’ compensation is the only business insurance coverage required by Nevada law, it’s a good idea to consider other coverages. An unexpected incident could lead to unnecessary financial stress without the proper protection in place.

Start protecting your business today with a free and easy online quote.

Resources for Nevada small business owners:

Nevada professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

  1. Options

  2. Experts

  3. Convenience

Business insurance for all Nevada cities

We can customize business insurance in all Nevada cities, including, but not limited to:

  • Las Vegas
  • Henderson
  • Spring Valley
  • Sunrise Manor
  • Reno
  • North Las Vegas
  • Paradise
  • Enterprise
  • Sparks
  • Carson City

More information

Man with Nevada business insurance works in a commercial van

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