--- title: "Nevada Workers' Comp Requirements for Employers | MCC" description: "Nevada workers' comp: 1 or more employees, construction 1+, owners and officers, penalties and the required notice, in the agency's words." url: "https://mcc-solutionsnj.com/bookkeeping/workers-comp-nevada" --- Workers' comp · Nevada # Nevada workers' compensation requirements Which employers must carry coverage, how owners and contractors are treated, and what the agency's pages say about penalties, the workplace notice, self-insurance and checking a policy. [![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77) Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) **Short answer.** Mandatory for an employer with one or more employees. Construction trades are named as required. Construction: Construction trades must have coverage. ## At a glance Who must carry it Mandatory for an employer with one or more employees. Construction trades are named as required. Construction Construction trades must have coverage. Independent contractors Employers must examine the relationship before treating anyone as an independent contractor; a 1099 or a contract doesn't always end the employer-employee relationship. Self-insurance An employer can be certified by the Division of Insurance as self-insured, or buy from a licensed private carrier. Going without An administrative fine of up to $15,000, plus premium penalties and the full cost of any work injury. Workplace notice Display the informational poster, Form D-1; employers with tipped employees also display Form D-22. Check a policy Use the Coverage Verification Service listed on the Workers' Compensation Section's site, or call the Section at (775) 684-7270 (Carson City) or (702) 486-9080 (Las Vegas). [Open the lookup](https://dir.nv.gov/WCS/home/) Agency Nevada Division of Industrial Relations, Workers' Compensation Section ## In the agency's words **The rule** Hiring in another state? [Employer registration in Nevada, done for you](/bookkeeping/out-of-state-employer-registration), or [a free bookkeeping health check](/bookkeeping/health-check). "it is mandatory for an employer who has one or more employees to provide workers' compensation insurance coverage." **Construction** "CONSTRUCTION TRADES ARE REQUIRED TO HAVE WORKERS' COMPENSATION INSURANCE." **Contractors** "A 1099 or contract does not always eliminate the employer-employee relationship." **Going without** "Employers who do not provide workers' compensation will be charged with an administrative fine up to $15,000." **Notice** "Poster to be displayed by employers with employees who receive tips." ## Three example businesses What the stated rule says for three common setups: - **2 employees, most businesses (not construction), llc:** Required. [See why](/bookkeeping/do-i-need-workers-comp-checker?state=nv&employees=2&industry=other&biz=llc) - **4 employees, construction, corporation:** Required. [See why](/bookkeeping/do-i-need-workers-comp-checker?state=nv&employees=4&industry=construction&biz=corporation) - **6 employees, most businesses (not construction), sole proprietor:** Required. [See why](/bookkeeping/do-i-need-workers-comp-checker?state=nv&employees=6&industry=other&biz=sole) Your own numbers: [open the checker for Nevada](/bookkeeping/do-i-need-workers-comp-checker?state=nv). ## Worth knowing Employers must keep proof of coverage available for inspection. **Not stated on the pages we read:** how owners are treated. ## Official sources - [Employer Guide: Workers' Compensation (Nevada DIR, July 2026)](https://dir.nv.gov/uploadedFiles/dirnvgov/content/WCS/EmployersDocs/EmployerBrochure.7.2026.pdf) (checked November 2026) - [Workers' Compensation and Nevada Employers (Nevada DIR, 2025)](https://dir.nv.gov/uploadedFiles/dirnvgov/content/WCS/MedicalDocs/Basic%20Workers%27%20Compensation%20for%20Nevada%20Employers%202025.pdf) (checked November 2026) - [Workers' Compensation & Nevada Employers (Nevada DIR, Workers' Compensation Section)](https://dir.nv.gov/uploadedFiles/dirnvgov/content/WCS/TrainingDocs/Employer%20Compliance(1).pdf) (checked November 2026) General information, not legal or insurance advice; we are not lawyers or insurance agents. Rules as published on the pages above, checked November 2026. We don't recommend or sell any insurer; the agency or a licensed agent can say how a rule applies to your business. ## Common questions **Who has to carry workers' comp in Nevada?** Mandatory for an employer with one or more employees. Construction trades are named as required. The agency puts it as "it is mandatory for an employer who has one or more employees to provide workers' compensation insurance coverage." **Is the rule different for construction in Nevada?** Yes. Construction trades must have coverage. **What about independent contractors in Nevada?** Employers must examine the relationship before treating anyone as an independent contractor; a 1099 or a contract doesn't always end the employer-employee relationship. **What happens to a Nevada employer with no coverage?** An administrative fine of up to $15,000, plus premium penalties and the full cost of any work injury. **What notice must a Nevada employer post?** Display the informational poster, Form D-1; employers with tipped employees also display Form D-22. **Can an employer self-insure in Nevada?** An employer can be certified by the Division of Insurance as self-insured, or buy from a licensed private carrier. All states: [workers' comp requirements by state](/bookkeeping/workers-comp-requirements-by-state) · [Missouri](/bookkeeping/workers-comp-missouri) · [New Jersey](/bookkeeping/workers-comp-new-jersey) Keeping coverage records in Nevada? ## Workers' Comp and Business Insurance Records Kit A state coverage checklist with Nevada's rule and official link, a certificate of insurance log for subcontractors, an injury report and claim log, and a workbook that flags policy renewals and expiring certificates, as Word files and PDFs. [Get the kit ($15)](/toolkits/workers-comp-and-insurance-records-kit) [Free sample](/toolkits/workers-comp-and-insurance-records-kit#free-starter)14-day full refund Tallyfinch ### Books you keep on your own computer Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software) ## Want payroll and insurance records kept for you? [See bookkeeping services](/bookkeeping/)[Call (908) 444-6373](tel:+19084446373)