The Hartford tops our list for general liability insurance in Nevada. It has affordable premiums and offers reliable service. NEXT and Nationwide are alternatives that provide good customer service.
General Liability Insurance in Nevada
The Hartford tops our rankings for general liability insurance in Nevada, scoring 4.64 out of 5.
Explore low-cost general liability insurance in Nevada below.
Select your industry
Select state
Updated: September 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Nationwide emerge as the leading general liability insurance providers in Nevada.
Selecting the right general liability coverage in Nevada requires careful consideration of your business type, size and specific coverage requirements.
Thorough research of provider ratings, customer feedback and financial strength helps ensure quality coverage for your Nevada business needs.
Best General Liability Insurance Companies in Nevada
| The Hartford | 4.64 | $103 |
| NEXT | 4.56 | $100 |
| Nationwide | 4.53 | $111 |
| Simply Business | 4.49 | $109 |
| Thimble | 4.40 | $122 |
| Coverdash | 4.38 | $118 |
| biBerk | 4.29 | $130 |
| Progressive Commercial | 4.28 | $114 |
| Chubb | 4.26 | $135 |
| Hiscox | 4.19 | $130 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage represents just one part of business protection in Nevada. Explore these additional insurance guides for complete coverage:
Best Nevada Small Business Insurance Reviews
We analyzed Nevada's leading general liability insurance providers to show small business owners which companies deliver the best combination of coverage, customer service, and value.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$103Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$100Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Nevada
NEXT offers the cheapest general liability insurance in Nevada, with coverage starting at $100 monthly ($1,198 annually). The Hartford and Simply Business also provide competitive rates.
| NEXT | $100 | $1,198 |
| The Hartford | $103 | $1,233 |
| Simply Business | $109 | $1,309 |
| Nationwide | $111 | $1,328 |
| Progressive Commercial | $114 | $1,372 |
| Coverdash | $118 | $1,414 |
| Thimble | $122 | $1,462 |
| Hiscox | $130 | $1,555 |
| biBerk | $130 | $1,556 |
| Chubb | $135 | $1,625 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Nevada
General liability insurance in Nevada averages $117 per month or $1,394 annually, slightly above the national average. Your actual premium depends on your industry, business size, location and claims history.
Average Cost of General Liability Insurance by Industry
General liability costs vary by industry. Pressure washing businesses cost the most at $1,038, while drone companies pay the most affordable rates at just $19 per month. The table below shows how premiums differ across various business types throughout the state.
| Accountants | $25 | $301 |
| Ad Agency | $40 | $480 |
| Automotive | $61 | $732 |
| Auto Repair | $173 | $2,078 |
| Bakery | $102 | $1,225 |
| Barber | $51 | $608 |
| Beauty Salon | $76 | $914 |
| Bounce House | $80 | $959 |
| Candle | $63 | $753 |
| Cannabis | $76 | $917 |
| Catering | $100 | $1,200 |
| Cleaning | $151 | $1,812 |
| Coffee Shop | $101 | $1,216 |
| Computer Programming | $33 | $398 |
| Computer Repair | $54 | $652 |
| Construction | $197 | $2,369 |
| Consulting | $25 | $300 |
| Contractor | $290 | $3,474 |
| Courier | $223 | $2,672 |
| Daycare | $37 | $450 |
| Dental | $25 | $295 |
| DJ | $29 | $347 |
| Dog Grooming | $72 | $867 |
| Drone | $19 | $228 |
| Ecommerce | $83 | $1,002 |
| Electrical | $128 | $1,534 |
| Engineering | $45 | $541 |
| Excavation | $532 | $6,380 |
| Florist | $49 | $586 |
| Food | $121 | $1,456 |
| Food Truck | $162 | $1,947 |
| Funeral Home | $69 | $826 |
| Gardening | $128 | $1,541 |
| Handyman | $274 | $3,292 |
| Home-based | $27 | $329 |
| Home-based | $45 | $535 |
| Hospitality | $74 | $891 |
| HVAC | $279 | $3,343 |
| Janitorial | $156 | $1,875 |
| Jewelry | $46 | $551 |
| Junk Removal | $185 | $2,222 |
| Lawn/Landscaping | $135 | $1,624 |
| Lawyers | $26 | $312 |
| Manufacturing | $73 | $875 |
| Marine | $32 | $383 |
| Massage | $109 | $1,310 |
| Mortgage Broker | $26 | $313 |
| Moving | $141 | $1,697 |
| Nonprofit | $41 | $491 |
| Painting | $163 | $1,961 |
| Party Rental | $91 | $1,087 |
| Personal Training | $27 | $326 |
| Pest Control | $37 | $441 |
| Pet | $64 | $765 |
| Pharmacy | $70 | $845 |
| Photography | $28 | $331 |
| Physical Therapy | $126 | $1,510 |
| Plumbing | $409 | $4,903 |
| Pressure Washing | $1,038 | $12,454 |
| Real Estate | $61 | $732 |
| Restaurant | $164 | $1,972 |
| Retail | $75 | $895 |
| Roofing | $443 | $5,318 |
| Security | $159 | $1,903 |
| Snack Bars | $133 | $1,591 |
| Software | $30 | $360 |
| Spa/Wellness | $122 | $1,459 |
| Speech Therapist | $35 | $422 |
| Startup | $32 | $386 |
| Tech/IT | $30 | $361 |
| Transportation | $43 | $514 |
| Travel | $24 | $285 |
| Tree Service | $148 | $1,775 |
| Trucking | $117 | $1,403 |
| Tutoring | $35 | $415 |
| Veterinary | $51 | $611 |
| Wedding Planning | $32 | $380 |
| Welding | $188 | $2,255 |
| Wholesale | $51 | $608 |
| Window Cleaning | $179 | $2,147 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Nevada?
Nevada doesn't require most businesses to carry general liability insurance at the state level. Cities and counties can make their own rules. Certain licensed trades must keep specific coverage to keep their professional licenses active:
Electricians
Nevada requires licensed electricians to carry general liability insurance with minimum limits of $100,000 per occurrence and $300,000 annual aggregate. Completed operations coverage must be included.
Electrical Sign Contractors
Electrical sign contractors must maintain the same general liability coverage as electricians, with $100,000 per occurrence and $300,000 annual aggregate limits. Completed operations coverage is also required for licensing.
HVAC Contractors
Nevada HVAC contractors face different insurance requirements based on their license classification. Most classes require minimum general liability coverage of $100,000 per occurrence and $300,000 annual aggregate.
Fire Safety Companies
Fire safety companies must carry general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate to obtain and maintain their Nevada registration.
General liability insurance becomes important for practical business reasons, even when licensing doesn't require it. Most commercial property owners demand proof of insurance, and large corporations and government agencies will ask for proof of coverage.
How to Choose the Best General Liability Insurance in Nevada
Nevada businesses need general liability insurance to protect against costly lawsuits. Start by identifying your specific coverage requirements and confirming the premiums align with your budget.
- 1
Figure out coverage requirements
Start by checking Nevada's licensing requirements for your specific industry. Many clients and contractors require $1 million in coverage even when state minimums are lower, so plan accordingly.
- 2
Gather your business information
Collect details about your annual revenue, employee count and business operations.
- 3
Compare multiple insurance quotes
Always compare at least three quotes since rates differ.
- 4
Review policy terms carefully
Look beyond just the premium cost when comparing policies. Some insurers cover legal defense expenses in addition to your coverage limit, while others subtract these costs from your total protection.
- 5
Verify insurer and agent credentials
Use Nevada's insurance department website to confirm your insurer and agent are properly licensed. Check AM Best financial ratings and complaint records.
- 6
Ask about available discounts
Many insurers offer reduced rates for bundling multiple policies, implementing safety programs or maintaining a clean claims history.
- 7
Obtain your insurance certificate
Ask for your certificate of insurance immediately after buying coverage, since clients and landlords often need proof.
How to Prevent General Liability Claims in Nevada
Business owners never want to handle liability claims, but Nevada companies can prevent most issues through preparation and planning.
Watch out for property hazards
Nevada's extreme heat and frequent dust storms create problems for businesses. Regularly inspect walkways for dust buildup and heat damage to surfaces, ensure adequate shade and cooling in outdoor work areas, and maintain proper lighting.
Train your people well
Equip employees with knowledge about heat safety, proper hydration and recognizing signs of heat exhaustion. Provide regular training on equipment handling in extreme temperatures and dust conditions.
Keep good records
Document incidents immediately with photos, written reports, and witness statements while details remain fresh.
Get everything in writing
Clearly outline project scope, safety responsibilities and environmental considerations specific to Nevada conditions.
Fix problems fast
Respond to complaints and safety concerns immediately, especially those related to heat exposure or environmental hazards.
General Liability Insurance in Nevada: Bottom Line
The Hartford, NEXT, and Nationwide lead the state's insurance market, but your ideal provider depends on your industry, company size and available budget. The best approach involves gathering quotes from multiple insurers.
Commercial General Liability Insurance in Nevada: FAQ
Our research and analysis of Nevada's insurance market provides clear answers to the most common general liability questions facing business owners.
What does general liability insurance cover for Nevada businesses?
General liability insurance for Nevada businesses covers third-party bodily injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Nevada?
Small businesses in Nevada pay between $100 and $135 monthly for general liability insurance. NEXT leads as the most affordable option at $100 per month, followed by The Hartford at $103 and Simply Business at $109.
Do Nevada businesses legally need general liability insurance?
Nevada does not legally require general liability insurance for most businesses. Licensed professionals like contractors and electricians must maintain specific coverage levels to preserve their licenses.
Which company offers the best general liability insurance in Nevada?
The Hartford ranks as Nevada's top general liability insurance provider, earning high marks for financial stability and affordability at $103 monthly.
What coverage limits should Nevada businesses choose?
Nevada businesses should first verify minimum coverage requirements for their industry licenses. The standard choice is $1 million per occurrence and $2 million aggregate coverage.
How can Nevada businesses prevent general liability claims?
Nevada businesses can minimize general liability claims by promptly addressing property hazards and offering comprehensive employee safety training programs.
Can Nevada businesses get discounts on general liability insurance?
Yes, Nevada businesses can get reduced rates by bundling general liability with property or other commercial coverage.
How quickly can Nevada businesses get general liability coverage?
Nevada businesses can obtain general liability coverage rapidly through digital platforms.
What should Nevada businesses do when filing a general liability claim?
Nevada businesses should immediately contact their insurance carrier and document everything.
How does general liability differ from professional liability coverage?
General liability insurance protects businesses from third-party bodily injuries and property damage during operations, such as a customer slipping in your store. Professional liability covers errors in services you provide, like a consultant's advice causing client financial losses.
How We Scored the Best General Liability Insurance Companies in Nevada
Small businesses across Nevada encounter varied liability exposures, from weather-related incidents to workplace accidents. Our analysis focused on general liability providers that offer dependable coverage without breaking tight business budgets.
What We Evaluated
- Affordability (50%): Nevada's small business owners work with limited financial resources. We analyzed premium costs across carriers because reasonable pricing determines whether businesses can actually secure protection.
- Customer experience (30%): Quality claims service separates good insurers from great ones. We examined J.D. Power ratings, state complaint data, and independent agency feedback to assess how companies treat customers during difficult times.
- Coverage options (15%): Business risks vary by sector. We evaluated how effectively insurers customize general liability policies for Nevada's diverse industries, from restaurants to contractors.
- Financial strength (5%): Low premiums mean nothing if the insurer lacks stability. We checked AM Best ratings and financial reports to ensure companies can honor their commitments when claims arise.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 17, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 17, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 17, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 17, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 17, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 17, 2025.