Workers comp rates and rules in Nevada
Nevada has 626 workers comp class codes with filed rates, a maximum weekly benefit of $1,200 (66.67% of average weekly wage), and a statute of limitations of 1 year. Verified 2026-05-08.
Class code rate comparison
The top 50 workers comp class codes filed in Nevada, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.
| State | Occupation | Code | Rate per $100 | vs peers | Source |
|---|---|---|---|---|---|
| Nevada | Real Estate Clerical | 8803 | $0.050 | 95% | view |
| Nevada | Architects | 8603 | $0.070 | 100% | view |
| Nevada | Hospice Care - All Other | 8871 | $0.070 | 84% | view |
| Nevada | Furniture Salespersons | 8723 | $0.130 | 100% | view |
| Nevada | College Other Employees | 8820 | $0.130 | 91% | view |
| Nevada | Hospice Care | 8855 | $0.130 | 94% | view |
| Nevada | Ambulance Service | 7402 | $0.150 | 100% | view |
| Nevada | Clerical office | 8810 | $0.150 | 86% | view |
| Nevada | Telephone/Telegraph Companies | 8901 | $0.150 | 85% | view |
| Nevada | Hospital, All Employees | 9150 | $0.150 | - | view |
| Nevada | Sound Recording | 4360 | $0.180 | 40% | view |
| Nevada | Telemarketing Clerical | 8814 | $0.180 | 100% | view |
| Nevada | Medical Office Clerical | 8805 | $0.200 | 100% | view |
| Nevada | Jewelry Stores | 8013 | $0.210 | 64% | view |
| Nevada | Firefighters | 7726 | $0.230 | - | view |
| Nevada | Clerical Telecommuter Employees | 8815 | $0.250 | 100% | view |
| Nevada | Barber, beauty parlor, hair stylist | 9586 | $0.250 | 50% | view |
| Nevada | Telemarketing Clerical | 8814 M | $0.270 | 100% | view |
| Nevada | Health Clubs/Gyms | 9609 | $0.270 | - | view |
| Nevada | Medical Office Clerical | 8805 M | $0.300 | 100% | view |
| Nevada | Physician, non-surgical | 8832 | $0.300 | 90% | view |
| Nevada | Drug Manufacturing | 4511 | $0.310 | 48% | view |
| Nevada | YMCA/YWCA Operation | 9450 | $0.310 | - | view |
| Nevada | Glassware Manufacturing | 4109 | $0.330 | 83% | view |
| Nevada | Consulting Engineers | 8601 | $0.330 | 91% | view |
| Nevada | College, non-faculty | 8868 | $0.330 | 86% | view |
| Nevada | Interior Trim Installation | 5951 | $0.340 | 71% | view |
| Nevada | Landscape Gardening | 0771 | $0.380 | 80% | view |
| Nevada | Clerical Telecommuter Employees | 8815 M | $0.380 | 100% | view |
| Nevada | Salesperson, outside | 8742 | $0.390 | 100% | view |
| Nevada | School Bus Company | 7408 | $0.400 | - | view |
| Nevada | YMCA, YWCA, gym | 9063 | $0.420 | 48% | view |
| Nevada | Boat Livery | 7453 | $0.440 | 88% | view |
| Nevada | Storage Battery Manufacturing | 4692 | $0.450 | 64% | view |
| Nevada | Retail Store - Shoe | 8072 | $0.450 | 89% | view |
| Nevada | Adult Day Care | 8856 | $0.460 | 94% | view |
| Nevada | Asbestos Goods Manufacturing | 4149 | $0.470 | 82% | view |
| Nevada | Fruit & Vegetable Stores | 8015 | $0.470 | 75% | view |
| Nevada | Property Management NOC | 8737 | $0.470 | 100% | view |
| Nevada | Telecom Line Construction | 7610 | $0.480 | 82% | view |
| Nevada | Retail Bakery | 8045 | $0.480 | 74% | view |
| Nevada | Retail Stationery Store | 8047 | $0.480 | 62% | view |
| Nevada | Jewelry Salespersons | 8721 | $0.490 | 100% | view |
| Nevada | Vessel Operations NOC | 7445 | $0.500 | 100% | view |
| Nevada | Building Operation - Office - Professional | 9022 | $0.500 | - | view |
| Nevada | Restaurant, fast food | 9082 | $0.500 | 33% | view |
| Nevada | Health or Exercise Club | 9089 | $0.500 | 63% | view |
| Nevada | Outside Sales - All Other | 8799 | $0.510 | 88% | view |
| Nevada | Electrical Wiring Devices Manufacturing | 3681 | $0.530 | 82% | view |
| Nevada | Glass Merchants | 4110 | $0.530 | 71% | view |
Bottom quartile (cheap) Mid Top quartile (expensive) This state
Nevada coverage rules & benefits
Coverage threshold
Employers with 1 or more employees must carry workers' compensation insurance.
Max weekly benefit
$1,200 (66.67% of average weekly wage), effective 2025-07-01.
Statute of limitations
1 year from injury date to file the claim.
1099 contractor treatment
Independent contractors (1099) are generally not considered employees for WC purposes if they meet specific statutory criteria; otherwise, they may be reclassified as employees.
Owner exclusion
Allowed. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.
Estimate your premium in Nevada
Pre-filled to Nevada. Pick your industry and payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Manufacturing in Nevada
$1,550to$73,100
Median: $9,050 · Rate range $0.310 to $14.62 per $100 payroll
Industry median across all states
$7,300
Cheapest states for Manufacturing
- Utah $0.490
- Kentucky $0.940
- Virginia $0.950
Most expensive
- California $4.74
- New Jersey $3.56
- Hawaii $2.94
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing & compliance in Nevada
-
Step 1, Confirm coverage threshold
Employers with 1 or more employees must carry workers' compensation insurance.
-
Step 2, Determine class code
Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.
-
Step 3, Get a quote (or use the state fund)
Private carriers like Travelers, Hartford, and Liberty Mutual write coverage in Nevada. Schedule credits up to 25% are typical for low-loss accounts.
-
Step 4, Track payroll & subcontractors
A principal contractor is liable for the workers' compensation coverage of its subcontractors' employees if the subcontractor fails to secure coverage. Keep certificates of insurance for every sub.
-
Step 5, Annual audit
Carriers audit payroll Typically within 90-180 days of policy expiration, but can extend up to three years.. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll.
Nevada workers comp FAQs
Who has to carry workers compensation insurance in Nevada?
Employers with 1 or more employees must carry workers' compensation insurance.
What is the maximum weekly workers comp benefit in Nevada?
The current maximum weekly benefit in Nevada is $1,200 (effective 2025-07-01). Benefits are typically 66.67% of the average weekly wage, capped at the state maximum.
How long do I have to file a workers comp claim in Nevada?
The statute of limitations for filing a workers compensation claim in Nevada is 1 year from the date of injury. Notice to the employer is typically required within 30 days.
Are 1099 contractors covered by workers comp in Nevada?
Independent contractors (1099) are generally not considered employees for WC purposes if they meet specific statutory criteria; otherwise, they may be reclassified as employees.
Can business owners exclude themselves from workers comp coverage in Nevada?
Yes, Nevada allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.
What is the penalty for not carrying workers comp in Nevada?
Penalties include fines, stop-work orders, and potential criminal charges. Employers are also liable for all medical expenses and lost wages if an uninsured worker is injured.
When does my workers comp carrier audit my payroll in Nevada?
Nevada typically requires a payroll audit Typically within 90-180 days of policy expiration, but can extend up to three years.. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.
Am I liable for subcontractors' workers comp in Nevada?
A principal contractor is liable for the workers' compensation coverage of its subcontractors' employees if the subcontractor fails to secure coverage.