Nevada workers' compensation insurance: Your ultimate resource
Everything to know about workers’ compensation for
Nevada
businesses
What does workers’ compensation cover?
A standard workers’ comp policy covers four primary areas: medical expenses, lost wages, employer liability and ongoing rehabilitation. EverPeak policies ensure your crew gets the care they need to return to work safely while protecting your business from the costs of workplace accidents.
Medical care
Coverage for the necessary treatment resulting from a work-related injury or illness.
Lost wages
Partial pay for employees unable to work while recovering from an injury.
Legal protection
Financial support for your business if an employee files a lawsuit related to an accident.
Ongoing care
Rehabilitation and training to support employees re-enter the workforce, and ongoing benefits for permanent injuries.
Death benefits
Financial support for the families.
What are
Nevada
's workers' comp laws?
Located in the heart of the American Southwest, Nevada embodies a blend of exciting destinations and natural beauty. From the iconic Las Vegas Strip to landmarks like Red Rock Canyon and Lake Tahoe, the Silver State offers a unique allure to residents and visitors alike.
With an economy fueled by tourism, gaming and mining, Nevada is a hub for business innovation and growth. When it comes to protecting your business and its employees, finding the right workers’ compensation insurance is essential.
What is workers' compensation?
Workers' compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide benefits such as medical care and lost wages for employees who suffer work-related injuries or illnesses.
Full and part-time workers are considered employees under Nevada workers’ compensation law.
Without workers’ compensation, the cost of a work-related injured or ill employee’s medical treatment could become the responsibility of your business.
Nevada workers' compensation laws and requirements
The State of Nevada Department of Business & Industry Industrial Relations is responsible for administering the workers’ comp law in Nevada. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Workers’ comp coverage can be obtained through a partner like EverPeak Insurance. The Nevada Division of Insurance can approve self-insured requests based on financial status and claims history.
Employees can verify online if their employer has coverage.
Who is covered and exempt from
Nevada
workers' comp?
Who is covered?
Policies include protection for full and part-time workers.
Some exemptions from workers’ comp in Nevada include:
- Casual employees
- Performers in an exhibition
- Domestic, farm, dairy, agricultural and horticultural laborers
- Real estate brokers
Covered injuries and illnesses
Workers' compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases developed over time due to job conditions.
Benefits provided
Nevada workers’ comp insurance provides three types of benefits for work injuries:
- Medical benefits
- Lost wages
- Death benefits
- Medical treatment for work-related accidents, injuries and/or illnesses
- Mileage reimbursement
- Temporary disability benefits
- Permanent disability benefits
- Vocational rehabilitation
- Benefits to surviving dependants
Nevada workers’ compensation rates
The weekly compensation amount is 66 2/3% of the employee’s average monthly wage, not to exceed a maximum amount set by the state.
Find more information on Nevada average compensation amounts.
How much does workers’ comp cost in
Nevada
?
How do you file a workers’ compensation claim in
Nevada
?
Filing a workers' compensation claim
In the event of a work-related injury or illness:
Step 1: Employee reports injury to employer
Employees in Nevada should report their injury to their employer immediately but no later than seven days from the accident.
Step 2: Seek medical care
The employee should immediately seek medical attention.
Step 3: Employer reports injury
Once notified of the injury, employers should file a report of the accident within six days to their workers' compensation insurance carrier.
Step 4: Receive benefits
If an employer’s insurance provider accepts the claim, the worker should begin receiving benefits to cover medical expenses and lost wages.
Step 5: Return to work/permanent disability benefits
Following their recovery, a worker is expected to resume work safely. If a work injury has left an injured employee unable to do any type of work, the employee might be entitled to permanent disability benefits.
Choosing a healthcare provider
In Nevada, employees must select a treating physician from a panel of authorized medical providers offered by the employer or its workers’ compensation insurer. If the employee wishes to change physicians, they can select a new one from the panel of authorized medical providers within 90 days of the injury.
Payment for medical bills
The employer’s workers’ compensation insurer has 45 days from the date of receipt to pay or deny the medical provider for services rendered to the injured employee. If the insurer needs more information, it should request information from the medical provider within 20 days of receiving the bill.
Compensation for missed work
If an employee is out of work for five consecutive days or five cumulative days in a 20-day period, they’re eligible for temporary disability payments computed from the date of injury.
Resolving disputes
If an employee wishes to dispute a claim, they should work with their employer and workers’ compensation insurer to find a resolution. Employees can address any further concerns to the Division of Insurance or Workers’ Compensation Section for assistance.
How to get workers' compensation
Insurance requirements for employers
Employers in Nevada with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
Choosing the Right Insurance Provider
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
FAQs
Enforcing safety protocols, providing proper employee training, maintaining a clean and hazard-free work environment, and regularly reviewing safety practices can significantly reduce workplace injuries.
Your premium is primarily determined by your industry payroll classifications, geographic location and total annual payroll. Your business’s safety history can also play a major role in determining your final rate. Three key factors influence your base insurance rate:
- Industry classification codes: Higher-hazard trades naturally carry higher baseline rates.
- Geographic location: Rates and statutory benefit structures fluctuate heavily by state lines.
- Historical safety record: Maintaining an accident-free workplace lowers your Experience Modification Rate (E-mod), resulting in built-in premium discounts.
Most states require businesses with employees to carry workers’ compensation insurance to stay compliant. Requirements vary by location, but having coverage ensures your business is protected and your team has access to benefits if an injury occurs.
Employees can verify online if their employer has coverage through the state’s online search tool.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensures the necessary steps are taken to initiate the workers' compensation claims process.
Whether you need coverage for contractors depends entirely on your state’s specific regulatory definitions and formal worker classification tests. Since misclassification regulations are highly complex and can lead to severe audits or stop-work orders, it’s vital to ensure your entire labor force is properly verified and protected based on the actual day-to-day work they do.
Learn more: Do independent contractors need workers’ compensation?
In most cases, employees in Virginia are barred from suing their employers for work-related injuries or illnesses. The workers' compensation system provides an exclusive remedy, meaning that employees typically cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injuries or illnesses.
In Virginia, employers who fail to procure or sustain the appropriate workers' compensation coverage for their employees may face civil fines of up to $250 per day of non-compliance. Failure to adhere to this requirement can reach a maximum of $50,000 in fines.
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
Why choose EverPeak for workers’ comp coverage?
EverPeak protects the hardest-working businesses in (state) with simple, reliable workers’ comp starting as low as $18 a month. Backed by over a century of specialized experience, customers get multi-state coverage, fast and easy claims support, and a vast network of brokers.