Nevada business insurance
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Get business insurance in Nevada.
biBerk is the go-to source for Nevada business insurance for many companies. From Reno to Carson City, Henderson to Las Vegas, business insurance provides financial protection no business should be without. Wherever you are in the state, we offer flexible policies to shield you from costs associated with the many risks that Nevada businesses face. Read on for details on essential coverages.
Nevada Workers' Compensation insurance
This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies due to an on-the-job incident. It can cover medical costs, legal fees, and lost wages. We offer tailored Nevada workers’ compensation insurance to suit your business. So if, for example, your cook is burned in a kitchen mishap, their treatment costs will likely be covered.
Workers' Compensationchevron_rightGeneral Liability insurance in Nevada
Also known as commercial liability insurance, this type of Nevada liability insurance provides important financial protection. It covers damages, legal costs, and medical expenses from injury claims by customers and other people who don’t work for you and damage to other people's property your business causes. Slip-and-fall accidents, for instance, are very common and can be covered. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightNevada Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for claims like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income and cover other costs associated with getting your business back up and running after property damage (e.g., renting a temporary location). So, if a windstorm damages your building in Las Vegas, business insurance can provide payment for the structure and contents in it. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightNevada Professional Liability insurance
Also known as errors and omissions (E&O) insurance, this form of Nevada liability insurance could protect you from the cost of damages and legal fees if someone says your professional service harmed them or their business. Coverage includes mistakes (errors) and failures to perform services (omissions). You should buy professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. Let's say you’re an accountant and you make a mistake on a client’s financial statement that causes their business to lose money. You may be covered for the costs associated with that error.
Professional Liabilitychevron_rightNevada Commercial Auto insurance
If your company owns or leases vehicles, this policy can cover your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use. Imagine your employee is backing a truck into a loading dock, fails to brake in time, and damages the dock and a forklift parked on it. You may be covered.
Commercial Autochevron_rightNevada Cyber insurance
This type of business insurance in Nevada can be purchased as an add-on to a general liability, professional liability, or BOP. It helps cover costs related to system hacks or data security breaches where someone steals sensitive information like credit card data and commits fraud or is likely to.
Cyber Insurancechevron_rightNevada Umbrella insurance
When buying business insurance in Nevada, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, covering costs that exceed the limit of another biBerk liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightWe offer commercial insurance in Las Vegas and statewide for all kinds of professionals and businesses, including:
- Accounting firms and auditors
- Air conditioning installers
- Analytical laboratories
- Apartment buildings
- Appraisers
- Architects and engineers
- Art galleries
- Attorneys and legal services
- Automobile repair shops
- Bakeries
- Book, clothing, and retail stores
- Building services companies
- Business consultants
- Carpentry companies
- Commercial cleaning services
- Computer programmers
- Couriers and messengers
- Detective agencies and patrol agencies
- Doctors and dentists
- Drugstores
- Electrical contractors
- Exterminators
- Fine dining restaurants
- Gyms and fitness centers
- Household appliance repair
- Insurance companies
- Janitorial services
- Landscaping companies
- Limousine companies
- Marketing firms
- Media relations agencies
- Painting companies
- Photographers and videographers
- Plumbers
- Property management companies
- Real estate companies
- Recreation and amusement companies
- Salespeople
- Salons and barber shops
- Sheet metal companies
- Trucking companies
Why choose biBerk for commercial insurance in Las Vegas and other cities?
We’re the experts when it comes to Nevada small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for small business insurance in Nevada?
Whether it’s workers’ comp or other Nevada business insurance, we’re often less expensive and easier to do business with than other insurance companies. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Who turns to biBerk for Nevada business insurance?
We work with business owners and decision-makers of all kinds in Nevada.
First-time small business owners
Starting a business is exciting but also stressful. We help new owners understand and address their business insurance needs to protect their investments. We can also share high-level information on compliance, like the fact that companies with employees typically need workers’ comp coverage. Plus, as a leader in insurance for small companies, our team provides real-world insights based on our work with other entrepreneurs.
Professional service providers
People who own or operate companies that provide professional advice or services face unique challenges and rely on biBerk for affordable professional liability insurance. They know that this coverage might be required by their clients and that even when it isn’t, it’s a good idea to carry it. We explain the real-world impact of liability lawsuits and create tailored solutions for them that take into account their risks, budgets, and other factors.
Established small business owners
Experienced business owners know that we’re happy to assist them as their companies expand and evolve, recommending coverage changes as needed. With biBerk behind them, they can work on growing their businesses confident that most unexpected expenses can be covered. Owners also reach out to us when they hear about changes in Nevada business rules and regulations to ask if they need to change their policies in any way.
Business insurance in Nevada: What’s required?
Workers' Compensation
Every business with employees or that uses subcontractors must have workers’ compensation insurance in Nevada. You can receive substantial fines and criminal penalties if you’re required to have workers’ comp but are caught doing business without it.
Other policy considerations
Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to have specific coverages, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your Nevada company is one of the smartest business decisions you can make.
What does small business insurance in Nevada cost?
The cost of commercial and business insurance in Nevada depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Learn what you’ll pay for business liability insurance in Nevada and other coverages by getting instant, online quotes for any policies you need.
Frequently asked questions about Nevada business insurance
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What types of insurance are typically required for small businesses in Nevada?
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Small businesses in Nevada are generally required to have workers' compensation insurance if they have employees. Other types of coverage might be expected by stakeholders like clients or landlords.
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How much does small business insurance typically cost in Nevada?
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The cost of small business insurance in Nevada varies based on factors such as industry, coverage types, and business size. You can get instant quotes online.
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How do I determine the right coverage amounts for my small business in Nevada?
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To determine the right coverage amounts, assess your company’s specific risks, property value, employee count, and potential liability. Our licensed insurance experts can also help tailor coverage to your needs.
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What is the typical process for filing an insurance claim in Nevada?
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The process generally involves notifying your insurance provider as soon as possible, providing necessary documentation (like incident reports and photos), and completing any required claim forms. The insurer then investigates and processes your claim.
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How quickly can I expect my insurance claims to be processed and resolved in Nevada?
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Processing times in Nevada can vary depending on the complexity of the claim and other factors. Generally, straightforward claims can be processed within a matter of weeks, while more complex claims may take longer.
Nevada business insurance in three simple steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
Trust biBerk for small business insurance in Nevada and save up to 20%