Solo debe hacer unos cuantos clics.
Choose The Hartford for Your Nevada Small Business Insurance Needs
The Silver State is the seventh-largest state in the nation geographically, with more than 312,000 small businesses calling Nevada home.1 These businesses employ more than 542,000 people, which is about 43% of the state’s total employees.2 Boasting a beneficial business tax structure, including no personal income tax, no corporate income tax, no inheritance tax, no franchise tax and no business inventory tax, Nevada is the third fastest growing state in the U.S.
Whether you’re starting a new business or have an established company, The Hartford’s seguro de negocio can help protect you.
How Much Is Business Insurance in Nevada?
Our small business customers in Nevada pay an average of $1,031 a year for a Business Owner’s Policy (BOP) and about $906 a year for workers' compensation insurance.3 Remember, insurance costs vary, and your cost may be different than the average. The best way to find out how much insurance costs your business is to obtener una cotización. Our specialists can work with you to get the coverage you need to have peace of mind.
Types of Nevada Business Insurance Offered
Nevada Business Owner's Policy (BOP)
Purchasing a NV BOP is smart and convenient. A BOP combines business liability and business property insurance into one single policy. It can help protect your business in Nevada from claims related to fire, burglary, theft or other covered disasters.
You should consider a BOP if your business has:
- A physical address, whether it is in your home, an office that is rented or owned, storefront or another workplace.
- Assets that can be stolen or damaged, such as digital assets, office furniture, office equipment, customer data, cash or inventory.
- The possibility of being sued, which can include a customer getting injured in your workplace.
The Hartford makes it easy for business owners in Nevada to customize their BOP to fit their unique needs. You can add different types of business insurance to give yourself more protection.
Seguro para la pérdida de datos
In addition to a BOP, businesses in Nevada may want to consider getting data breach insurance, which some insurers may call cyber insurance. Data breach insurance helps cover the costs of a data breach. It can help cover your costs for legal fees, public relations, identity protection solutions and more.
To reduce the risk of a civil lawsuit or additional penalties from data loss or theft, a cyber liability or data breach policy can help your Nevada business manage the breach and comply with both state and federal regulations and laws. Your Nevada business may benefit from data breach insurance if:
- You have a network that employees save data on.
- You keep customer or patient records, such as credit card information, bank account numbers, medical histories or social security numbers in your database, which can be a target for hackers.
Nevada Workers’ Compensation Insurance
Nevada workers’ compensation insurance gives benefits to your employees for work-related illnesses or injuries. Benefits can help pay for medical care, replace wages for lost work time and provide a deceased worker’s family with financial benefits. If that family files a lawsuit against your company, workers’ compensation insurance can also help cover your legal fees.
This coverage can help protect your Nevada business and employees in these types of incidents:
- A chef is frying tortillas for dinner. A grease fire takes place and injures him while he is cooking, requiring an emergency room visit and weeks of recovery time.
- An employee drives back to the office after visiting a client down the road and is injured in a car accident, requiring hospitalization.
- An employee injures her back lifting a box of inventory and requires a doctor’s visit, weeks of medication and physical therapy.
General Liability Insurance in Nevada
Seguro general contra terceros helps protect your Nevada business from claims it caused bodily injury or property damage to someone else. It offers some of the broadest business insurance coverage. This coverage is included in a BOP, or you can get it as stand-alone coverage.
These are some examples of how general liability insurance can help your business:
- While on the job, your employee accidentally damages a customer’s property and the repairs are very expensive. Should a claim like this be made against your company, your commercial general liability insurance may help cover the cost of the damages.
- A customer shopping in your retail store slips on wet ground and injures herself on your property. Slip-and-fall injuries can result in pricey medical bills and potentially a lawsuit.
- A competitor accuses your business of publishing material that violates an individual’s privacy rights and threatens a lawsuit.
Commercial Property Insurance in Nevada
Commercial property insurance helps protect the owned or rented equipment, building, tools and inventory that you use to operate. This insurance can help cover your costs to repair or replace property if it gets lost from theft or damaged from wind or fire.
Nevada Commercial Auto Insurance
If your business owns vehicles, you may want to consider a el seguro comercial para automóviles policy. It helps protect you or your employees on the road if you’re driving a company-owned vehicle for business. It can help cover claims of bodily injury or property damage from an accident.
Hired and Non-Owned Auto Insurance in Nevada
Hired and non-owned auto insurance in Nevada helps protect you and your employees if you rent vehicles for work or if you’re using personal cars for business. A personal car insurance policy won’t cover claims if the accident happened when driving for business.
Nevada Minimum Business Insurance Requirements
The law requires employers operating in the Silver State to carry workers’ compensation insurance if they have at least one employee.4 Employers who fail to get and maintain a workers’ compensation policy will be charged an administrative fine up to $15,000, premium penalties, may be ordered to cease operations until workers’ compensation insurance has been obtained and will be held financially responsible for all costs related to an uninsured claim.5 Learn more from the Nevada Department of Business and Industry.
If you need commercial auto insurance or hired and non-owned auto coverage, there are minimum liability limit requirements in Nevada. Your auto policy should have at least:6
- Bodily injury liability: $25,000/$50,000
- Property damage liability: $20,000
Get a Quote for NV Business Insurance
As an insurance company with more than 200 years of experience, we know the unique risks businesses in Nevada face. Our specialists can work with you to understand your needs and to help you get the right coverage. Reciba una cotización today and see how The Hartford can help protect your business in Nevada.Additional Nevada Business Insurance Links
- Seguro comercial para automóviles
- Seguro para ingresos comerciales
- Seguro comercial contra inundaciones
- Seguro de propiedades comerciales
- Seguro comercial suplementario
- Seguro para la pérdida de datos
- Seguro general contra terceros
- Surety Bonds
- Seguro para empresa con base en su hogar
- Responsabilidad por prácticas de empleo
Última actualización: 9 de julio de 2024
1,2 Small Business Administration, “2023 Small Business Profile: Nevada.”
3 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
4 Nevada Department of Business and Industry, Workers’ Compensation Section, “Employer Guide: Workers’ Compensation.”
5 Nevada Division of Industrial Relations, “Workers’ Compensation & Nevada Employers.”
6 Nevada Division of Insurance, “Understanding Auto Insurance.”
Divulgaciones adicionales a continuación.