--- title: "Crime insurance in Nevada: separate employee check fraud from diverted wires" description: "Compare Nevada employee-dishonesty and funds-transfer protection by mapping delegated instrument duties, bank procedures, and the policy's own deadlines." canonical: "https://spot.insure/coverage/crime/nevada" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/nevada) # Crime insurance in Nevada: separate employee check fraud from diverted wires A Nevada crime review should account for employees or contractors who process checks, take money or property, or control electronic payments. Nevada's current 2025 UCC text includes certain retained independent contractors in a narrow fraudulent-endorsement rule and provides a separate funds-transfer security procedure framework. These commercial-law rules allocate rights in bank transactions; they do not determine whether your policy covers an employee loss or a wire redirected by impersonation.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [Nevada](/coverage/states/nevada) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## What to Watch for in Nevada ### Map contractor check authority, not just access NRS 104.3405 includes an independent contractor and the contractor's employee retained by the employer within “employee” for the section. Its responsibility definition covers signing, acting on received instruments, preparing checks, supplying payee information, or controlling disposition; mere access to instruments being stored, transported, or mailed is excluded. Tell the broker which tasks are delegated and ask how the policy defines employee, covered property, and dishonest acts.[^1] ### Read the full funds-transfer security procedure NRS 104A.4201 defines a security procedure as a procedure agreed between the customer and receiving bank to verify orders or detect errors, and it says signature comparison or requiring use of a known email, IP address, or telephone number alone does not qualify. Section 104A.4202 also looks at commercial reasonableness, the customer's stated wishes, normal payment pattern, and alternatives offered. Preserve the bank's records and ask the broker separately about fraudulent-instruction and social-engineering wording.[^2] ### Compare first-party grants and respond fast Ask for limits and sublimits for employee dishonesty, checks, computer fraud, funds transfer, social engineering, and money away from the premises or in transit. If a vendor or executive impersonation redirects payment, the FBI advises contacting your financial institution immediately and reporting BEC to IC3. Preserve the original communications and notify the insurer under the policy's own terms.[^3] ## Who Regulates Insurance in Nevada **Nevada Division of Insurance.** The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions.[^4][^5][^6] - [Regulator website](https://doi.nv.gov/) - [License lookup](https://doi.nv.gov/licensing-search/) - [File a complaint](https://doi.nv.gov/Consumers/File-A-Complaint/) - Phone: 888-872-3234 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract.[^7][^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Nevada; [check the regulator’s license lookup](https://doi.nv.gov/licensing-search/) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^12] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^13] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^17] ## Questions to Ask Before You Buy in Nevada 1. Does the employee-dishonesty wording cover direct employees, retained contractors, and their staff, and which property is insured? 2. Which agreement applies to unauthorized access, a forged payment instruction, or a vendor-email change, and what sublimit and retention apply? 3. What security-procedure or verification requirements does the policy impose beyond the bank agreement? 4. What are the exact discovery, notice, proof-of-loss, and cooperation periods under the policy? 5. Are off-premises money, property in transit, checks, and electronic transfer losses separately limited? ## Crime in Nevada: FAQ ### Does NRS 104.3405 automatically insure contractor dishonesty? No. It defines employee for a particular check-endorsement allocation rule. The issued policy's definitions and coverage grants determine insurance.[^1] ### Does NRS 104A.4201 establish coverage for an unauthorized wire? No. It defines security procedures for the customer-bank relationship. Coverage depends on the crime policy's wording and the claim facts.[^2] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Nevada](/coverage/states/nevada) ## Sources [^1]: [Nevada Revised Statutes, Chapter 104, Uniform Commercial Code—Original Articles](https://www.leg.state.nv.us/nrs/nrs-104.html) — Nevada Legislature; NRS 104.3405(1)–(3), pp./HTML lines 3150–3182; chapter current revision label April 15, 2026 (2025 statutes); full chapter opened September 28, 2026. Accessed 2026-09-28. [^2]: [Nevada Revised Statutes, Chapter 104A, Uniform Commercial Code—Additional Articles](https://www.leg.state.nv.us/nrs/nrs-104a.html) — Nevada Legislature; NRS 104A.4201–.4202, lines 1378–1403; history cites 2023, ch. 3245; full current chapter opened September 28, 2026. Accessed 2026-09-28. [^3]: [Business Email Compromise](https://www.fbi.gov/how-we-can-help-you/common-frauds-and-scams/business-email-compromise) — Federal Bureau of Investigation; “Report BEC” and “How BEC scams work”; page opened September 28, 2026. Accessed 2026-09-28. [^4]: [Nevada Division of Insurance](https://doi.nv.gov/) — Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services.. Accessed 2026-09-28. [^5]: [Verify a License](https://doi.nv.gov/licensing-search/) — Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there.. Accessed 2026-09-28. [^6]: [File a Complaint](https://doi.nv.gov/Consumers/File-A-Complaint/) — Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234.. Accessed 2026-09-28. [^7]: [NRS Chapter 685A, Nonadmitted Insurance](https://www.leg.state.nv.us/nrs/NRS-685A.html) — Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees.. Accessed 2026-09-28. [^8]: [NRS §685A.175](https://www.leg.state.nv.us/nrs/NRS-685A.html) — Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075.. Accessed 2026-09-28. [^9]: [NRS §§685A.032, 685A.130](https://www.leg.state.nv.us/nrs/NRS-685A.html) — Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt.. Accessed 2026-09-28. [^10]: [NRS §685A.090](https://www.leg.state.nv.us/nrs/NRS-685A.html) — Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act.. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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