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Nevada workers' compensation insurance: Your guide to requirements and getting a policy
If you’re a Nevada employer looking to protect both your business and your team, you’re in the right place. At Beyond, we provide the essential information you need to understand how workers’ compensation works and how to stay compliant.
Workers’ compensation isn’t just essential for employees, it’s critical for employers too. It provides injured employees with medical treatment, wage replacement, and rehabilitation benefits. At the same time, it protects businesses from expensive legal claims and out-of-pocket medical costs if a workplace injury leads to a lawsuit.
Now that we understand why workers’ comp is a vital layer of protection, let’s explore which businesses in Nevada are required to carry it and how Beyond can help you stay compliant.
In short: nearly every Nevada employer. If you have one or more employees, state law requires you to carry workers’ compensation insurance.
According to Nevada statutes, a “business” includes any individual, partnership, corporation (public or private), or association that hires workers. An “employee” covers a broad range of individuals, including:
Undocumented workers
Minors
Appointed or elected public officials
Paid board members
Musicians providing ongoing services
Yes. Nevada does allow a few limited exceptions. Coverage isn’t required for:
Casual workers
Stage or theatrical performers
Musicians hired for short-term gigs (two days or fewer)
Domestic or agricultural workers
Sports referees
Clergy
Real estate agents or brokers
Direct salespeople (in person or via phone)
Certain independent contractors
Important exception: In the construction industry, independent contractors often must still be covered under a workers’ comp policy and the principal contractor is usually responsible. Outside construction, principal contractors typically are not responsible for workers’ comp coverage if the contractor is in a different trade or profession.
Nevada’s workers’ comp benefits are clearly defined by state law and follow an exclusive remedy system — meaning if benefits are provided promptly, the employer is protected from further legal action.
Coverage typically includes:
Medical care for workplace injuries
Lost wage compensation
Permanent partial or total disability
Vocational rehabilitation services
Death benefits for dependents
Other related expenses (e.g., travel or mileage reimbursement)
For your team, this can mean the difference between recovery and financial ruin after an accident.
Employers in Nevada can:
Purchase a policy from a licensed private insurer, or
Apply to become self-insured, either independently or as part of a certified self-insurance group.
Beyond can connect you with trusted partners to compare options and get insured quickly.
Failing to carry workers’ comp coverage in Nevada can result in serious consequences, including:
Fines up to $15,000
Penalties for unpaid premiums
Business shutdown orders until coverage is obtained
Full financial liability for injuries
Potential criminal charges if negligence leads to serious injury or death
Here’s how the reporting process works:
The injured worker notifies their supervisor and completes Form C-1 within 7 days.
The employer submits Form C-3 to their insurance provider.
If treatment is needed, the physician or chiropractor must complete Form C-4.
Medical treatment must be provided by a physician on the approved list — through the insurer’s MCO or PPO network, or the state’s authorized panel. For serious injuries, employees should go directly to an emergency room.
Need help or more information? Contact:
Nevada Division of Industrial Relations:
Las Vegas: (702) 486-9080
Carson City: (775) 684-7270
Helpful links:
Having a workers’ comp policy is more than just a legal requirement — it’s a smart business decision. It protects your employees, shields your business from lawsuits and penalties, and demonstrates your commitment to safety and responsibility.
Need help getting started? Beyond is here to guide you through every step of the process.
