NEXT offers the best professional liability insurance in Nevada, with affordable rates and reliable customer support. The Hartford ranks second, while Simply Business takes third place.
Professional Liability Insurance in Nevada
NEXT earns the highest score of 4.74 out of 5 in our analysis of the best professional liability insurance in Nevada.
Discover cheap professional liability insurance in Nevada below.
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Updated: September 29, 2025
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Key Takeaways
NEXT is our top pick for professional liability insurance in Nevada, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Nevada professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Nevada.
Best Professional Liability Insurance Companies in Nevada
| NEXT Insurance | 4.74 | $80 |
| The Hartford | 4.65 | $82 |
| Simply Business | 4.52 | $87 |
| biBERK | 4.45 | $90 |
| Coverdash | 4.45 | $89 |
| Nationwide | 4.45 | $94 |
| Progressive Commercial | 4.40 | $86 |
| Hiscox | 4.37 | $88 |
| Chubb | 4.27 | $101 |
| Thimble | 4.25 | $87 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability coverage protects Nevada businesses, but understanding other coverage types helps create comprehensive financial protection for your company.
Best Nevada Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Nevada businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$80These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$82These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Nevada
NEXT offers the cheapest professional liability insurance in Nevada at $80 monthly ($957 annually). The Hartford provides another affordable option at $82 per month for business owners seeking budget-friendly coverage.
| NEXT Insurance | $80 | $957 |
| The Hartford | $82 | $981 |
| Progressive Commercial | $86 | $1,031 |
| Simply Business | $87 | $1,042 |
| Thimble | $87 | $1,043 |
| Hiscox | $88 | $1,061 |
| Coverdash | $89 | $1,068 |
| biBERK | $90 | $1,084 |
| Nationwide | $94 | $1,126 |
| Chubb | $101 | $1,215 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Nevada
Professional liability insurance costs in Nevada average $88 monthly ($1,061 annually), which is $10 more than the national average. Home-based businesses pay around $42 per month, while mortgage brokers average $190. Your location, claims history and coverage limits also influence rates.
| Accountants | $164 | $1,968 |
| Ad Agency | $111 | $1,334 |
| Auto Repair | $93 | $1,121 |
| Automotive | $84 | $1,012 |
| Bakery | $60 | $724 |
| Barber | $49 | $585 |
| Beauty Salon | $55 | $660 |
| Bounce House | $68 | $818 |
| Candle | $47 | $561 |
| Cannabis | $143 | $1,711 |
| Catering | $92 | $1,106 |
| Cleaning | $61 | $735 |
| Coffee Shop | $68 | $821 |
| Computer Programming | $119 | $1,425 |
| Computer Repair | $72 | $865 |
| Construction | $86 | $1,033 |
| Consulting | $121 | $1,449 |
| Contractor | $73 | $875 |
| Courier | $58 | $697 |
| DJ | $51 | $616 |
| Daycare | $123 | $1,478 |
| Dental | $96 | $1,148 |
| Dog Grooming | $62 | $744 |
| Drone | $121 | $1,449 |
| Ecommerce | $69 | $825 |
| Electrical | $73 | $872 |
| Engineering | $118 | $1,419 |
| Excavation | $76 | $911 |
| Florist | $44 | $529 |
| Food | $127 | $1,528 |
| Food Truck | $67 | $806 |
| Funeral Home | $93 | $1,114 |
| Gardening | $45 | $544 |
| HVAC | $94 | $1,132 |
| Handyman | $62 | $743 |
| Home-based business | $42 | $509 |
| Hospitality | $84 | $1,006 |
| Janitorial | $58 | $697 |
| Jewelry | $69 | $832 |
| Junk Removal | $78 | $939 |
| Lawn/Landscaping | $59 | $707 |
| Lawyers | $167 | $2,000 |
| Manufacturing | $67 | $804 |
| Marine | $100 | $1,205 |
| Massage | $119 | $1,433 |
| Mortgage Broker | $190 | $2,276 |
| Moving | $92 | $1,105 |
| Nonprofit | $58 | $690 |
| Painting | $73 | $874 |
| Party Rental | $62 | $744 |
| Personal Training | $81 | $969 |
| Pest Control | $110 | $1,324 |
| Pet | $53 | $633 |
| Pharmacy | $66 | $790 |
| Photography | $73 | $871 |
| Physical Therapy | $106 | $1,277 |
| Plumbing | $102 | $1,225 |
| Pressure Washing | $64 | $769 |
| Real Estate | $142 | $1,708 |
| Restaurant | $94 | $1,124 |
| Retail | $62 | $750 |
| Roofing | $110 | $1,322 |
| Security | $113 | $1,361 |
| Snack Bars | $54 | $650 |
| Software | $106 | $1,273 |
| Spa/Wellness | $126 | $1,509 |
| Speech Therapist | $113 | $1,356 |
| Startup | $82 | $981 |
| Tech/IT | $112 | $1,348 |
| Transportation | $108 | $1,296 |
| Travel | $111 | $1,330 |
| Tree Service | $86 | $1,033 |
| Trucking | $125 | $1,502 |
| Tutoring | $70 | $841 |
| Veterinary | $131 | $1,567 |
| Wedding Planning | $88 | $1,060 |
| Welding | $88 | $1,055 |
| Wholesale | $71 | $856 |
| Window Cleaning | $70 | $841 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Nevada?
Professional liability insurance requirements differ by profession in Nevada. Healthcare providers, attorneys and certain contractors may face mandatory coverage rules, while other fields rely on client contracts and industry standards. Even without legal requirements, your coverage amount should reflect your risk level and client expectations. Higher-risk professions typically carry $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Nevada carry greater liability exposure than others, directly affecting your coverage needs. Technology consultants and architects working on major Las Vegas or Reno developments face higher risks compared to accountants or real estate agents serving smaller Nevada communities.
Client Requirements
Many clients and contracts in Nevada require proof of professional liability insurance at specific minimum limits before work can begin. Large Nevada corporations, government contracts, and major organizations often mandate coverage levels ranging from $1 million to $5 million or more. Meeting these requirements is essential for securing and maintaining important business relationships.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Nevada's legal environment. Small mistakes might result in minor penalties and legal costs, while errors on larger projects could lead to six-figure damages plus substantial attorney fees. Consider both the size of your typical projects and the potential cascading effects of professional errors.
How to Get the Best Professional Liability Insurance in Nevada
Finding the best business insurance becomes straightforward when you follow our step-by-step guide to getting coverage. This process helps you secure professional liability insurance that matches your Nevada business needs and budget.
- 1
Evaluate Your Risk Exposure
Different businesses face varying liability risks in Nevada. A health care consultant typically needs higher coverage limits than a freelance graphic designer. Review your industry standards and client contract requirements to determine appropriate coverage amounts.
- 2
Partner with Local Agents
Look for an agent who knows Nevada's business landscape and understands how business insurance costs vary by location and industry. Local expertise helps match coverage to regional industry needs and client expectations. These agents understand Nevada-specific requirements that out-of-state providers might miss.
- 3
Compare Comprehensive Quotes
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. A $1,000,000 policy from one carrier may offer significantly different protection than another.
- 4
Research Insurer Credentials
When researching business insurance in Nevada, look beyond price. Investigate each company's financial stability through AM Best ratings and claims handling reputation. Look for insurers with experience in your specific industry and positive professional reviews. Strong financial ratings indicate the company can pay claims when needed.
- 5
Explore Bundling Opportunities
Many Nevada insurers offer discounts when combining professional liability with general liability or business owner's policies. Bundling often reduces overall premium costs while simplifying policy management. Ask agents about available package deals for comprehensive protection.
- 6
Maintain Continuous Coverage
Professional liability policies only cover claims filed while coverage remains active. Never let your policy lapse without securing replacement coverage or purchasing tail coverage. When switching insurers, confirm that your new policy includes coverage of prior acts for complete protection.
How to Prevent Professional Liability Claims in Nevada
Professional liability claims result from poor communication and vague client expectations rather than genuine mistakes. Small misunderstandings can quickly generate substantial legal expenses. These strategies help Nevada businesses prevent disputes and avoid expensive claims.
Document Everything
Maintain written records of all client communications, including email confirmations, project approvals and scope modifications. This documentation serves as crucial evidence if disputes arise, providing a clear timeline of what was agreed upon and when. Proper documentation helps resolve conflicts quickly by eliminating he-said-she-said situations.
Use Detailed Contracts with Clear Scope
Create comprehensive contracts that explicitly define your responsibilities, project timelines and specific deliverables. Clearly outline what services are included in your fee and what falls outside the scope to prevent disputes over additional work. Well-defined contracts protect both you and your client by establishing clear expectations from the start.
Communicate Project Changes Immediately
Confirm all client-requested modifications in writing before proceeding with any additional work. Document how these changes will affect project timelines, budgets and final deliverables to avoid misunderstandings later. Immediate written confirmation prevents scope creep and ensures both parties agree on revised terms.
Set Realistic Expectations Upfront
Be transparent about project timelines, potential challenges and expected outcomes during initial client discussions. Honest communication about your capabilities and limitations helps avoid overpromising and reduces the likelihood of client dissatisfaction. Setting realistic expectations builds trust and prevents disputes over unmet promises.
Keep Detailed Project Records
Maintain thorough documentation of all work performed, decisions made and the reasoning behind your professional recommendations. These records demonstrate your diligence and professional standards if your work is later questioned or challenged. Detailed project files serve as your defense by showing you followed proper procedures and industry best practices.
Nevada Professional Liability: Bottom Line
Professional liability insurance decisions in Nevada require understanding your risks and client demands. NEXT leads our rankings, but your industry type, contract requirements and budget determine the best fit. Assess your coverage needs first, then work with a local agent to compare options that deliver solid financial protection for your business.
Nevada Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Nevada.
Is professional liability insurance required in Nevada?
Nevada doesn't legally require professional liability insurance, but client contracts and industry standards often demand coverage. Many professionals carry it anyway for financial protection and credibility with potential clients.
What does professional liability insurance cost in Nevada?
Professional liability insurance in Nevada costs between $80 and $101 monthly. Actual premiums depend on your industry's risk level, claims history, coverage limits and business location, with rates varying between providers and individual circumstances.
Which professional liability insurance company is best in Nevada?
NEXT ranks as the top professional liability insurance company in Nevada, scoring 4.74 out of 5 for its affordable rates and strong customer service. The Hartford follows closely in second place, while Simply Business rounds out the top three with competitive options for Nevada professionals.
How much professional liability coverage do I need in Nevada?
Professional liability coverage amounts in Nevada depend on your industry's risk level, client contract requirements, and potential lawsuit costs. High-risk professions like architects and consultants need higher coverage limits, while lower-risk businesses may require less protection to adequately safeguard their operations.
Can I get professional liability insurance online in Nevada?
Yes, you can purchase professional liability insurance online in Nevada. Many insurers offer digital applications that take just minutes to complete, with instant policy certificates and 24/7 online account management. This streamlined approach eliminates traditional paperwork delays and provides immediate proof of coverage for your business needs.
Should I buy general liability and professional liability insurance together in Nevada?
Nevada businesses benefit from carrying both general liability and professional liability insurance. General liability handles customer injuries and property damage at your business location. Professional liability covers errors in your services or advice that cause financial harm to clients. These policies protect different aspects of your operation, making combined coverage essential for complete protection.
Do I need professional liability insurance if I work from home in Nevada?
Yes, home-based professionals in Nevada still need professional liability insurance. Working from your house doesn't eliminate the risk of making costly mistakes that harm clients financially. A freelance graphic designer missing project deadlines or a consultant providing incorrect advice could face expensive lawsuits. Your location doesn't matter when clients suffer losses from your professional errors.
What happens if I let my professional liability insurance lapse in Nevada?
Allowing your professional liability insurance to lapse in Nevada exposes you to significant financial risks. Claims-made policies only provide coverage for lawsuits filed while your policy remains active, regardless of when you performed the work. If you switch insurers, ensure your new policy includes prior acts coverage for previous work, or purchase tail coverage from your previous insurer to eliminate dangerous coverage gaps.
How We Scored the Best Professional Liability Insurance Companies in Nevada
A professional liability claim can devastate a small business in Nevada or force it to close permanently. We evaluated insurers throughout the state to identify which companies provide the most reliable financial protection for businesses from startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance decisions. We gave affordability the highest weight because companies need comprehensive protection that fits their budget constraints.
- Customer experience (30%): Quality service during a claim makes a significant difference. We analyzed J.D. Power ratings and complaint records from the Nevada Department of Insurance to assess insurer responsiveness.
- Coverage options (15%): We reviewed policy flexibility and exclusions to ensure they address the specific needs of local professional service providers.
- Financial strength (5%): AM Best financial ratings helped us confirm each insurer maintains the resources to pay claims reliably when businesses need protection most.
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
- Alliance Health. "Provider Insurance Requirements." Accessed September 30, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed September 30, 2025.