If you have one or more employees, you must purchase Workers' Compensation insurance. Your insurance policy must cover both your direct staff and any subcontractors, independent contractors, and their employees with whom you work. If you do not have any workers and do not intend to deal with subcontractors, you may ask for an exemption from the insurance requirement.

Workers' Compensation insurance can help pay expenses associated with occupational injuries, including medical treatment, lost wages up to a certain amount, and rehabilitation costs. Because of the nature of contractual employment, this is particularly critical coverage for safeguarding individuals who are injured on the job and companies who may otherwise suffer severe financial damages.

You must present proof of Worker's Compensation coverage (or an affidavit of exemption) to the Nevada State Contractors Board.

What is the cost for Contractor Workers’ Compensation in Nevada?

Cost for a contractor workers’ comp policy can vary greatly based on the location, payroll amount, classification of workers, and the company’s prior work-related injury history.

What benefits are available with Workers’ Compensation insurance in Nevada?

Employees injured on the job are entitled to the following benefits:

  • Medical treatment
  • Lost-time compensation: Temporary Total Disability/Temporary Partial Disability
  • Permanent Partial Disability
  • Permanent Total Disability
  • Vocational Rehabilitation
  • Dependent’s Payments in the event of Death

Inside our Workers’ Comp Ghost Policy

For one-person operations, independent contractors, and paper GCs in Nevada

You’re self-employed with no workers or an independent contractor, so Workers’ Compensation is not required in most cases. However, your customers want proof of coverage during the bidding process so you can win the project. Or you’re a general contractor managing the construction work with a high subcontractor exposure and no payroll. You must also provide proof of Workers' Comp to land a project. 

Our Workers’ Comp Ghost Policy is designed to fit your needs and show proof of coverage. While the policy doesn’t provide coverage or any benefits, it enables you to meet contractual obligations and land more jobs.

The premium for a Workers’ Compensation Ghost policy is based on payroll. There is no payroll for businesses without employees, so a Ghost policy is often less expensive than standard Workers' Compensation insurance. Before you renew your coverage, the insurance company will perform an audit to check that you still have no employees. Premium adjustments will be made if you’ve hired anyone during the year.

For Nevada Paper General Contractors

With CCIS’ program, general contractors with a subcontractor exposure over 50% and up to 100% can also obtain a Workers’ Compensation policy. 

Call us at (800) 432-2641 to see if you’re eligible for our Workers’ Comp Ghost Policy and GC Program and for a quote.