Oops! Something went wrong while submitting the form.
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.
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.
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.
Policies include protection for full and part-time workers.
Some exemptions from workers’ comp in Nevada include:
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.
Nevada workers’ comp insurance provides three types of benefits for work injuries:
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.
In the event of a work-related injury or illness:
Employees in Nevada should report their injury to their employer immediately but no later than seven days from the accident.
The employee should immediately seek medical attention.
Once notified of the injury, employers should file a report of the accident within six days to their workers' compensation insurance carrier.
If an employer’s insurance provider accepts the claim, the worker should begin receiving benefits to cover medical expenses and lost wages.
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.
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.
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.
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.
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.
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.
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.
Employers who fail to provide workers’ compensation will be charged an administrative fine of up to $15,000. The employer is responsible for all costs arising from a work-related injury and may be ordered to close the business until obtaining insurance. The uninsured employer may also be subject to a criminal penalty for claims resulting in substantial bodily harm or death.
In most cases, employees in Nevada 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.
Generally, independent contractors aren’t covered by workers' compensation insurance in Nevada. Workers' compensation laws typically apply to employees rather than independent contractors.
However, it's important to note that the classification of a worker as an independent contractor or an employee can be complex, and misclassification can lead to legal disputes. Nevada has specific definitions of an employee and independent contractor. If unsure whether an independent contractor should be treated as an employee, seek legal guidance.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensure the necessary steps are taken to initiate the workers' compensation claims process.
Employees can verify online if their employer has coverage.