Workers' Compensation Rates in Nevada (2026)
Last verified: 2026-06-01 · Reviewed against NCCI and state rating-bureau filings — how we verify
State Overview
WC Requirement
Mandatory
Minimum Employees
1
Effective Date
2026-01-01
Nevada requires all employers to carry workers' comp. The state privatized its formerly monopolistic state fund in 1999.
Average Rate (All Class Codes)
$5.51
per $100 of payroll
Least Expensive Class Codes
- 8815 — Bank - All Employees$0.16
- 8865 — Court Reporter$0.16
- 8801 — Credit Union - All Employees$0.16
Most Expensive Class Codes
- 5551 — Roofing - All Employees$26.00
- 5040 — Iron/Steel Erection - Frame$25.48
- 5606 — Roofing Contractor$23.40
Understanding Nevada Workers' Comp Rates
Nevada is an NCCI advisory state today, but it has one of the more dramatic histories in the country: for most of the 20th century workers' compensation was a state monopoly. Employers bought coverage exclusively from the State Industrial Insurance System (SIIS) — the successor to the Nevada Industrial Commission — and no private carrier could write policies. The Legislature voted to privatize, the market opened to private insurers in 1999, and on January 1, 2000 SIIS was converted into a mutual insurer, Employers Insurance Company of Nevada (EICN). EICN served as the insurer of last resort during the transition, and by about 2002 the market was fully competitive with more than 100 admitted carriers.
Today NCCI files advisory loss costs and assigned-risk rates with the Nevada Division of Insurance (DOI), and each carrier applies its own loss-cost multiplier on top — so unlike Wisconsin, Nevada base prices do vary by carrier. The current Nevada Loss Cost and Assigned Risk Rate Filing took effect March 1, 2026, based on premium and loss experience through year-end 2024 from policy years 2021–2023. NCCI noted that the Nevada experience underlying this filing deteriorated significantly compared with the data behind the March 1, 2025 filing — a signal that the multi-year run of Nevada rate decreases may be flattening or reversing for some classes. The rates table on this page reflects NCCI-filed advisory loss costs; your actual premium depends on your carrier's multiplier, your experience modification factor, payroll, and schedule credits.
How Nevada Rates Are Set After Privatization
Because Nevada is now a competitive advisory-loss-cost state, NCCI's filed number is only a starting point. Each insurer files its own loss-cost multiplier (LCM) with the DOI, so two Nevada carriers can quote the same class code at meaningfully different prices. Your renewal premium is the class-code loss cost times the carrier's LCM times your experience modification factor times payroll per $100, plus or minus schedule rating credits and debits. Comparing the LCM — not just the headline loss-cost change — is what actually moves a Nevada small-business premium, which is the opposite of the situation in administered-pricing states.
The March 1, 2026 filing is worth watching for that reason. With the underlying loss experience deteriorating relative to the prior year, NCCI's advisory loss costs are under upward pressure even where the statewide average still looks modest, and individual class codes can move differently from the average. Construction and higher-hazard codes are typically more sensitive to an experience swing than low-hazard clerical codes.
Who Must Carry Coverage in Nevada
Nevada requires workers' compensation coverage for essentially every employer with one or more employees, administered by the Division of Industrial Relations (DIR) within the Department of Business and Industry. A sole proprietor with no employees may apply to the DIR for an exemption from carrying coverage on themselves, but that exemption terminates the moment the sole proprietor hires even one employee — full-time, part-time, or day labor — and coverage must be in force before that worker starts. Licensed contractors are treated more strictly: a contractor licensed under NRS 624.020 operating within the scope of the license must secure coverage regardless of the sole-proprietor exemption.
Payroll-cap rules changed for 2026. Under Senate Bill 317, a new payroll cap of $98,433.60 applies to the general workforce for policies issued on or after October 1, 2026, while sole proprietors continue to follow the existing maximum reportable payroll rule of $36,000 set by NCCI and Nevada statute. These caps affect the payroll basis used to compute premium, so a business near the cap should confirm which figure its carrier is applying at renewal.
Sources
- NCCI — Summary of the Proposed Nevada Workers Compensation Loss Cost and Assigned Risk Rate Filing (effective March 1, 2026; PY 2021–2023 experience; deterioration noted) (retrieved 2026-06-01)
- Nevada DIR — Workers' Compensation Employer Coverage Requirements (one-employee mandate, sole-proprietor exemption, NRS 624.020 contractors) (retrieved 2026-06-01)
- Nevada Division of Insurance — Workers' Compensation filing information (NCCI advisory loss costs, carrier LCM) (retrieved 2026-06-01)
All Class Codes & Rates in Nevada
| Code | Phraseology | Hazard Group | Rate per $100 |
|---|---|---|---|
| 8823 | Accountant - CPA | A | $0.19 |
| 8862 | Advertising Agency | A | $0.23 |
| 7403 | Aircraft Operation - NOC | E | $9.62 |
| 7605 | Alarm Installation or Repair | D | $4.94 |
| 5047 | Aluminum Installation | E | $8.06 |
| 8836 | Ambulance Service - All Employees | C | $5.72 |
| 7398 | Ambulette/Medical Transport | D | $5.72 |
| 9067 | Amusement Park - Mechanical Rides | D | $5.46 |
| 9016 | Amusement Park or Exhibition Operation & Drivers | D | $4.26 |
| 7520 | Amusement Ride Operation | D | $5.98 |
| 8831 | Animal Hospital - Veterinary | C | $2.34 |
| 8861 | Architect or Engineer - Consulting | B | $0.42 |
| 5473 | Asphalt Paving | F | $10.66 |
| 9625 | Assisted Living Facility | D | $4.68 |
| 9182 | Athletic Teams - Amateur | E | $7.54 |
| 9180 | Athletic Teams - Professional | F | $13.00 |
| 8820 | Attorney - All Employees & Clerical | A | $0.21 |
| 8803 | Auditing, Accounting or Management Consulting | A | $0.21 |
| 8046 | Auto Accessories Store | B | $1.30 |
| 5188 | Automatic Sprinkler Installation | E | $8.16 |
| 8393 | Automobile Body Repair & Drivers | C | $7.54 |
| 8748 | Automobile Dealer - All Employees | D | $3.90 |
| 3821 | Automobile Recycling & Drivers | D | $7.07 |
| 8380 | Automobile Service or Repair Center & Drivers | D | $4.68 |
| 7225 | Automobile Towing & Drivers | E | $8.84 |
| 7422 | Aviation - Ground Crew | E | $7.54 |
| 2003 | Bakery | C | $3.64 |
| 3724 | Bakery - Manufacturing | D | $4.42 |
| 8815 | Bank - All Employees | A | $0.16 |
| 8855 | Banks and Trust Companies - All Employees | A | $0.18 |
| 9586 | Barber Shop or Beauty Parlor | C | $1.56 |
| 7337 | Boat Building - Metal | F | $10.14 |
| 7335 | Boat Building - Wood | E | $7.80 |
| 3027 | Boiler Manufacturing | E | $8.06 |
| 8072 | Book Store | A | $0.52 |
| 2157 | Bottling | C | $3.38 |
| 9071 | Bowling Alley - All Employees | C | $2.55 |
| 9070 | Bowling Center - All | C | $2.60 |
| 2065 | Brewery | C | $3.38 |
| 9650 | Building Inspection | C | $2.34 |
| 8232 | Building Material Yard & Drivers | E | $5.98 |
| 8058 | Building Materials Dealer | D | $5.46 |
| 9015 | Building Operation - All Other Employees | C | $3.22 |
| 9012 | Building or Property Management - Property Managers and Leasing Agents & Clerical, Salespersons | B | $0.78 |
| 8385 | Bus Co - Garage Employees | E | $8.42 |
| 7382 | Bus Company - All Employees | D | $7.80 |
| 8850 | Bus/Taxi - Dispatching | A | $0.47 |
| 5148 | Cabinet Manufacturing & Install | D | $6.24 |
| 2812 | Cabinet/Wood Products Manufacturing | D | $6.50 |
| 9055 | Camps - Day/Overnight | C | $3.38 |
| 2095 | Candy Manufacturing | C | $3.12 |
| 2111 | Cannery | D | $5.46 |
| 9602 | Car Wash | C | $2.60 |
| 5645 | Carpentry - Detached One or Two Family Dwellings | F | $13.00 |
| 5432 | Carpentry - Detached One/Two Family | E | $9.62 |
| 5436 | Carpentry - Finish Detached | D | $6.76 |
| 5404 | Carpentry - Install Cabinets | D | $7.28 |
| 5437 | Carpentry - Installation of Cabinet Work or Interior Trim | F | $14.82 |
| 2802 | Carpentry - Shop Only | D | $5.72 |
| 5403 | Carpentry NOC | G | $11.70 |
| 9536 | Carpet Cleaning | C | $3.12 |
| 9519 | Catering NOC | C | $3.64 |
| 5020 | Ceiling Installation | E | $8.84 |
| 9610 | Cemetery - All | D | $3.64 |
| 5348 | Ceramic Tile, Indoor Stone, Marble, or Mosaic Work | E | $5.72 |
| 2131 | Cereal Manufacturing | C | $3.02 |
| 7405 | Charter Aircraft | F | $13.26 |
| 8826 | Chiropractic Office | B | $0.94 |
| 8812 | Clerical - Drafting Employees | A | $0.23 |
| 8810 | Clerical Office Employees | A | $0.26 |
| 8871 | Clerical Telecommuter Employees | B | $0.31 |
| 2501 | Clothing Manufacturing | B | $2.34 |
| 8008 | Clothing or Wearing Apparel Store - Retail | C | $1.92 |
| 9061 | Club NOC - All Employees | C | $2.91 |
| 8844 | Collection Agency | A | $0.23 |
| 8868 | College or University - Professional Employees | B | $0.47 |
| 7380 | Commercial Drivers | D | $8.84 |
| 8859 | Computer Programming or Software Development | A | $0.19 |
| 5201 | Concrete Block Manufacturing | E | $8.32 |
| 5213 | Concrete Construction NOC | F | $10.14 |
| 5214 | Concrete NOC - Poured | F | $10.66 |
| 5221 | Concrete or Cement Work - Floors, Driveways, Yards | F | $9.26 |
| 5070 | Concrete Products Manufacturing | E | $6.76 |
| 5215 | Concrete Work | F | $11.96 |
| 5222 | Concrete/Cement - Floors | E | $8.58 |
| 8227 | Construction Material - Used | D | $5.98 |
| 8019 | Convenience Store | C | $2.34 |
| 7715 | Corrections Officers | G | $9.62 |
| 9558 | Courier/Document Delivery | C | $3.38 |
| 7719 | Court Employees | B | $1.30 |
| 8865 | Court Reporter | A | $0.16 |
| 2070 | Creamery/Dairy Products | C | $3.90 |
| 8801 | Credit Union - All Employees | A | $0.16 |
| 8805 | Credit Union/Savings | A | $0.16 |
| 9059 | Day Spa | B | $1.56 |
| 8854 | Daycare Center | C | $2.60 |
| 8822 | Dental Laboratory | B | $0.78 |
| 8824 | Dental Office - All Employees | B | $0.57 |
| 8039 | Department Store - Retail | C | $2.08 |
| 2102 | Distillery | C | $3.22 |
| 5108 | Door/Window Installation | D | $6.50 |
| 5152 | Drilling NOC | F | $14.04 |
| 8047 | Drug Store | B | $0.99 |
| 2688 | Dry Cleaning | C | $3.38 |
| 8866 | Election Campaign | B | $0.88 |
| 7539 | Electric Light/Power Companies | F | $10.92 |
| 3082 | Electrical Apparatus Manufacturing | D | $4.68 |
| 5140 | Electrical Installation - Interior | D | $5.46 |
| 5193 | Electrical Wiring - Alarm | D | $5.72 |
| 5190 | Electrical Wiring - Within Buildings | E | $6.50 |
| 9653 | Elevator Inspection | C | $2.08 |
| 5160 | Elevator Installation | F | $10.92 |
| 5162 | Elevator Service/Maintenance | E | $8.58 |
| 8858 | Employment Agency | A | $0.21 |
| 7711 | EMT/Paramedics | F | $7.80 |
| 6217 | Excavation NOC | F | $11.23 |
| 8809 | Executive Officers NOC - Not Foremen, Workers or Salespersons | A | $0.21 |
| 0035 | Farm - Dairy | E | $9.10 |
| 0005 | Farm - Field Crops | E | $9.88 |
| 0016 | Farm - Livestock | F | $10.66 |
| 0050 | Farm - Orchard or Grove | E | $8.11 |
| 8116 | Farm Machinery Dealer - All Operations & Drivers | C | $3.38 |
| 8841 | Financial Advisor | A | $0.18 |
| 7710 | Firefighters and Drivers | D | $6.76 |
| 2161 | Fish Processing | E | $6.76 |
| 8032 | Florist - Retail | B | $1.20 |
| 2130 | Flour Milling | D | $4.42 |
| 7350 | Freight Handling | E | $7.54 |
| 2143 | Fruit Processing | D | $4.16 |
| 9620 | Funeral Directors - All Employees | C | $1.82 |
| 2883 | Furniture Manufacturing | D | $5.72 |
| 8293 | Furniture Moving & Storage, Drivers | E | $4.94 |
| 5146 | Furniture or Fixtures Installation - Portable NOC | D | $7.02 |
| 8044 | Furniture Store - Wholesale or Retail & Drivers | C | $2.86 |
| 7590 | Garbage/Ash Collection | F | $10.14 |
| 2913 | Glass Manufacturing | E | $7.80 |
| 2915 | Glass Merchant | D | $5.46 |
| 5462 | Glazier | E | $8.84 |
| 9056 | Golf Club | C | $2.60 |
| 8811 | Government Clerical | A | $0.23 |
| 8304 | Grain Elevator | E | $7.28 |
| 2041 | Grain Milling | D | $4.68 |
| 8006 | Grocery Store - Retail | C | $2.60 |
| 9585 | Hair Salon | B | $1.30 |
| 8010 | Hardware Store - Wholesale or Retail | C | $2.70 |
| 5137 | Heating Equipment Installation | D | $5.98 |
| 5185 | Heating System Installation | D | $5.72 |
| 5537 | Heating, Ventilation, Air Conditioning and Refrigeration | E | $5.98 |
| 8851 | Home for Aged - All | D | $5.46 |
| 8835 | Home Health Care Services | C | $4.32 |
| 9040 | Hospital - All Other Employees | B | $5.72 |
| 8833 | Hospital - Professional Employees | C | $2.96 |
| 9058 | Hotel - Restaurant Employees | C | $3.64 |
| 9052 | Hotel NOC - All Other Employees & Drivers | C | $3.80 |
| 9529 | House Cleaning | C | $3.38 |
| 9033 | Housing Authority | B | $1.56 |
| 2039 | Ice Cream Manufacturing | C | $3.64 |
| 8215 | Ice Dealer | C | $3.12 |
| 8203 | Ice Manufacturing | D | $4.68 |
| 5479 | Insulation Work | E | $7.80 |
| 8845 | Investigator/Detective | C | $2.34 |
| 8840 | Investment Company | A | $0.16 |
| 5038 | Iron Doors/Gates Installation | F | $15.08 |
| 5057 | Iron or Steel Erection - NOC | G | $17.94 |
| 5102 | Iron or Steel Erection - Structural | G | $19.24 |
| 5069 | Iron/Steel - NOC | G | $21.84 |
| 5059 | Iron/Steel - Ornamental | F | $12.74 |
| 5040 | Iron/Steel Erection - Frame | G | $25.48 |
| 8106 | Iron/Steel Merchant | D | $5.72 |
| 6229 | Irrigation Works - All Operations | E | $6.76 |
| 9014 | Janitorial Services - By Contractor | C | $4.42 |
| 8013 | Jewelry Store | B | $0.88 |
| 8263 | Junk Dealer | D | $5.72 |
| 0917 | Landscape Gardening - NOC | D | $5.46 |
| 5443 | Lathing | E | $9.10 |
| 2660 | Laundry NOC | C | $3.64 |
| 2586 | Leather Goods Manufacturing | C | $3.12 |
| 9034 | Library - All Employees | A | $0.68 |
| 7716 | Lifeguards | D | $3.90 |
| 7317 | Longshore Workers | G | $19.76 |
| 8061 | Lumber Dealer | D | $5.98 |
| 3632 | Machine Shop NOC | D | $4.94 |
| 3030 | Machinery Manufacturing | D | $5.72 |
| 3685 | Machinist NOC | D | $5.30 |
| 7327 | Marine Transportation | F | $13.00 |
| 5029 | Masonry - Decorative | E | $9.88 |
| 5027 | Masonry - Fireproof | F | $11.44 |
| 5028 | Masonry - Stone | F | $13.26 |
| 5022 | Masonry NOC | F | $10.92 |
| 8031 | Meat Market - Retail | C | $2.86 |
| 2001 | Meat Packing | F | $9.10 |
| 8033 | Meat, Fish or Poultry Dealer - Retail | C | $3.38 |
| 8021 | Meat, Fish or Poultry Dealer - Wholesale | C | $2.60 |
| 8838 | Medical Lab | B | $0.78 |
| 7360 | Messenger Service | C | $3.64 |
| 3581 | Metal Stamping - NOC | E | $6.40 |
| 9410 | Municipal, Township, County or State Employees - NOC | C | $3.64 |
| 9587 | Nail Salon | B | $1.04 |
| 8860 | Newspaper - Delivery | C | $3.90 |
| 8869 | Newspaper or Magazine Publishing - All Employees | B | $0.36 |
| 8807 | Newspaper Publishing | B | $0.88 |
| 0042 | Nursery Employees | E | $6.50 |
| 9046 | Nursing - Home/Visiting | D | $5.98 |
| 9049 | Nursing Home - All | D | $5.72 |
| 8829 | Nursing Home - All Employees | C | $5.46 |
| 5191 | Office Machine Installation, Inspection, Adjustment, or Repair | E | $4.42 |
| 8825 | Optometry Office | A | $0.42 |
| 8742 | Outside Sales Personnel | B | $0.57 |
| 8055 | Packaging - Contract - Retail Size Packages | C | $2.60 |
| 8037 | Paint Store | B | $1.04 |
| 5474 | Painting NOC & Shop Operations, Drivers | E | $7.80 |
| 7721 | Park Rangers | D | $3.64 |
| 8821 | Patent/Copyright Attorney | A | $0.21 |
| 4361 | Pest Control Services | D | $4.68 |
| 9549 | Pet Grooming | C | $1.82 |
| 8099 | Pet Store | B | $1.20 |
| 8846 | Pharmaceutical Sales | B | $0.57 |
| 8839 | Pharmacy - Retail | B | $0.94 |
| 7600 | Phone/Telegraph Installation | E | $7.28 |
| 8832 | Physician & Clerical | B | $0.47 |
| 2110 | Pickle Manufacturing | C | $2.96 |
| 7313 | Pier/Wharf Operation | F | $11.70 |
| 5480 | Plastering NOC | E | $7.54 |
| 8111 | Plumber - Commercial | E | $6.24 |
| 5183 | Plumbing NOC | E | $7.02 |
| 7723 | Police Officers - Mounted | F | $11.18 |
| 7720 | Police Officers and Drivers | D | $5.98 |
| 8816 | Post Office | C | $2.86 |
| 2002 | Poultry Processing | F | $8.84 |
| 3076 | Printing - Offset or Digital | D | $3.22 |
| 8843 | Psychiatric Hospital | D | $4.68 |
| 8015 | Quick Printing | B | $1.04 |
| 8857 | Radio Station - Clerical | A | $0.19 |
| 7610 | Radio/TV Broadcasting | B | $1.30 |
| 7855 | Railroad Operation | E | $7.80 |
| 8856 | Real Estate Agency - All Employees | C | $1.25 |
| 8817 | Real Estate Management | B | $1.30 |
| 9077 | Recreation Center | C | $2.60 |
| 3060 | Refrigerator Manufacturing | D | $4.94 |
| 8849 | Research Lab - Analytical | B | $1.14 |
| 9079 | Restaurant - Fast Food | C | $3.38 |
| 9083 | Restaurant - Fast Food - Including Delivery | D | $4.26 |
| 9082 | Restaurant NOC | D | $3.90 |
| 8045 | Retail Store - Cannabis/Dispensary | C | $2.24 |
| 8017 | Retail Store NOC | C | $2.18 |
| 5551 | Roofing - All Employees | G | $26.00 |
| 5606 | Roofing Contractor | G | $23.40 |
| 7724 | Sanitation Workers | F | $8.84 |
| 9101 | School - All Employees | B | $1.92 |
| 9008 | Schools - Vocational | C | $2.86 |
| 9060 | Senior Center | B | $1.82 |
| 5538 | Sheet Metal Work - HVAC Ductwork | E | $7.07 |
| 8090 | Shoe Store | A | $0.57 |
| 5119 | Siding Installation | E | $7.80 |
| 9554 | Sign Installation, Maintenance, Repair, Removal or Replacement NOC - Away From Shop & Drivers | F | $8.58 |
| 9072 | Skating Rink | C | $2.86 |
| 8864 | Social Services Organization | B | $1.30 |
| 2105 | Soft Drink Manufacturing | C | $2.86 |
| 8078 | Sporting Goods Store | B | $1.30 |
| 8279 | Stable/Riding Academy | D | $5.46 |
| 7309 | Stevedoring | G | $19.24 |
| 5506 | Street/Road Construction | F | $12.22 |
| 5507 | Street/Road Construction - Clearing | F | $10.40 |
| 8804 | Substance Use Disorder Recovery Homes | C | $4.68 |
| 2021 | Sugar Manufacturing | D | $4.42 |
| 5223 | Swimming Pool Construction | F | $9.62 |
| 9064 | Swimming Pool Operation | C | $2.86 |
| 2623 | Tanning | D | $5.72 |
| 7370 | Taxi/Rideshare | D | $7.02 |
| 7390 | Taxicab Company - All Employees | D | $8.11 |
| 8814 | Telephone Company - Clerical | A | $0.19 |
| 5037 | Tile Roofing | G | $22.88 |
| 2121 | Tobacco Manufacturing | C | $2.60 |
| 7229 | Trucking - Hazmat | G | $15.34 |
| 7228 | Trucking - Local Hauling Only | D | $9.10 |
| 7219 | Trucking - Long Haul | E | $11.96 |
| 7232 | Trucking - Mail, Parcel or Package Delivery - Under Contract With USPS | F | $10.92 |
| 7231 | Trucking - Mail, Parcel, or Package Delivery | D | $9.46 |
| 7202 | Trucking - NOC | E | $9.88 |
| 7227 | Trucking - Refrigerated | E | $10.66 |
| 8847 | Trust Company | A | $0.16 |
| 9522 | Upholstery | C | $2.86 |
| 9068 | Veterans Home | D | $4.42 |
| 8842 | Veterinary Office - All Employees | C | $1.14 |
| 5180 | Water Main Construction | F | $12.48 |
| 3365 | Welding or Cutting NOC | E | $8.58 |
| 8018 | Wholesale Store NOC | C | $2.50 |
| 5196 | Wiring - Fire Detection Systems | D | $4.94 |
| 2841 | Woodworking NOC | D | $5.98 |
| 2286 | Wool Processing | C | $3.28 |
| 8802 | Writer/Author | A | $0.21 |
| 2220 | Yarn/Thread Manufacturing | C | $3.12 |
| 9063 | YMCA, YWCA, or Health Club - All Employees | C | $2.96 |
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Frequently Asked Questions
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