Short answer
Most Nevada dealers with employees are required to carry workers' compensation, and many add a commercial umbrella to extend liability limits above garage liability and auto. Both are typically reviewed alongside the rest of the dealership program.
What this means
Workers' compensation is governed by Nevada law and is generally required for employers. It covers medical expenses and a portion of lost wages for work-related injuries and illnesses, and it helps protect the business from related lawsuits.
A commercial umbrella sits above the underlying liability policies — typically garage liability and any commercial auto. It provides additional limits when a single claim or combined claims exceed what the underlying policies can pay. Eligibility, limits, and pricing depend on the underlying program.
- Workers' comp generally required for Nevada employers
- Premium driven by payroll and class codes
- Umbrella sits above underlying liability policies
- Umbrella limits typically start at $1M and go up from there
- Both should be reviewed with the rest of the dealership program
Nevada note
Workers' compensation requirements, exemptions, and class codes are set by Nevada law and the carrier. Always confirm current requirements with a licensed advisor.
Dealership insurance is offered for Nevada dealers. Coverage availability, eligibility, limits, and pricing depend on the carrier, underwriting, application details, endorsements, exclusions, and Nevada DMV licensing requirements. This information is educational and is not legal advice or a guarantee of coverage.
Next step
Book a free Nevada dealer coverage review to walk through garage liability, open lot, garagekeepers, workers' comp, umbrella, and your dealer bond together. For standard bonds you can also quote and purchase online.