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    Protect your business and employees with Nevada workers' comp

    The health and safety of your team should be a top priority. Workers' compensation insurance in the Silver State protects employees when accidents happen on the job. This coverage helps pay for medical bills and lost wages during recovery, demonstrating your commitment to employee well-being. It also helps protect your business against lawsuits.

    Talk to a Progressive Commercial agent to learn more about workers' compensation insurance in Nevada.

    Who needs workers' compensation insurance in Nevada?

    Nevada businesses with at least one employee need workers' compensation insurance. This coverage helps with medical expenses and pays employees for lost wages if they experience workplace injuries or illnesses. Workers' comp may also be needed to meet the terms of professional licenses and contracts.

    Explore workers' compensation requirements in Nevada.

    Nevada workers' compensation insurance exemptions

    Nevada workers' comp exemptions apply to certain groups, including:

    • People with casual jobs not related to their employer's main business
    • Workers in domestic, farm, or agricultural jobs, unless specified by Nevada law
    • Sports officials, like referees or umpires, who work for a small fee at amateur or school events
    • Licensed real estate professionals
    • Individuals who sell products directly, either in person or over the phone

    Without workers' compensation insurance in Nevada, your employees won't be protected from workplace accidents. Even if your business is exempt, opting for coverage supports your team and prevents legal issues.

    What are the penalties for not having workers' comp in Nevada?

    If a business doesn’t follow Nevada workers' compensation requirements, they could face increased fees and fines up to $15,000. You can avoid these penalties by getting the right insurance. Trust Progressive Commercial for expert guidance and support.

    Learn more about the penalties for not having workers' comp in Nevada.

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    How much does workers' comp cost in Nevada?

    • Job classification code: Nevada utilizes class codes from the National Council on Compensation Insurance (NCCI) to categorize jobs and determine insurance rates based on risk level.
    • Payroll: With workers' compensation costs calculated per $100, a bigger payroll means a higher premium. 
    • Claims history: Your claims history influences your coverage costs, with more claims leading to increased rates.
    • Insurance carrier: Rates can differ among Nevada workers' compensation insurance companies since each uses its own method to assess risk and determine prices.

    How can you get workers' comp in Nevada?

    There are several ways to get workers' compensation coverage in Nevada:

    • Private insurers: Many businesses in Nevada get their workers' comp from private insurers that offer flexible coverage and additional benefits.
    • Self-insurance: Businesses can apply for self-insurance through the Nevada Division of Insurance. If approved, you might reduce expenses by using your own funds to cover claims, but you'll need to manage the financial risks and responsibilities on your own.
    • Assigned risk pool: Companies that are new, high risk, or have a history of large claims might have a hard time getting private coverage or self-insurance. These companies can purchase Nevada workers' comp through the NCCI.

    Consider your options and speak to a Progressive Commercial agent to find the right Nevada workers' compensation insurance.

    How does workers' comp work in Nevada?

    Workers' compensation helps employees who get hurt or sick because of their job. Once an incident is reported, a claim can be submitted by the employer or employee. If approved, the employee receives financial assistance.

    Nevada workers' compensation benefits include:

    • Medical expenses
    • Disability benefits
    • Lost wages
    • Rehabilitation costs

    Nevada workers' compensation insurance protects your business and supports injured employees in their recovery and return to work. It also lowers the chance of legal claims, since employees receiving benefits usually can't file lawsuits against your business.

    Nevada workers' comp death benefits

    Nevada workers' compensation death benefits assist the families of deceased employees, helping with expenses and offering financial stability during a difficult time. These benefits include:

    • A lump-sum payment of up to $10,000 for funeral expenses
    • Payments equaling 66% of the employee's average monthly wage

    Nevada workers' compensation statute of limitations

    The Nevada statute of limitations gives employees seven days to report their workplace injury. After reporting, either the employer or employee has 90 days to file a claim. Encourage employees to report incidents immediately to meet these deadlines and secure their benefits.

    Why choose Nevada workers' compensation through Progressive Commercial

    For over 50 years, Progressive Commercial has been a trusted partner for businesses like yours. We take pride in providing friendly service, competitive rates, and advice you can count on.

    Let us help you find the right insurance. Call us to connect with an agent or go online to start a quote.

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    Start a quote to get Nevada workers' compensation insurance

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