Umbrella Policy adds an extra layer of protection to professionals if a serious event or cumulative claims exhaust your current polcy limits. It also covers you for events that would otherwise be excluded from your other policies.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Cyber Liability Insurance protects you from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
What insurances to I need to start a business in Nevada?
The state requires that your business must carry Workers' Compensation if you have two or more employees. A Commercial Auto insurance is also recommended when you use vehicles to conduct your business operations.
Do I need an insurance for my Nevada business?
Yes. Even small businesses find themselves with the same incidents that big companies have. And when you find yourself defending in court, you'll be glad that your insurance was there to protect your finances.
What is needed to get an insurance quote in Nevada?
Insurance companies usually require a business license and a loss history, and you must have completed your applications before they can get you a quote.
If I let my employees drive their cars to conduct business is Personal Auto insurance enough?
No. Commercial Auto insurance has more coverage and higher limits than a personal auto insurance.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: