--- title: "General Liability Insurance in Nevada" description: "Nevada reduces a claimant’s award when claimant fault is no greater than defendants’ combined fault, and generally limits each negligent defendant to its own share." canonical: "https://spot.insure/coverage/general-liability/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/general-liability/nevada) # General Liability Insurance in Nevada Nevada permits recovery when claimant fault is not greater than the defendant’s or defendants’ combined fault; damages are reduced by the claimant’s share. In ordinary multi-defendant negligence cases, each defendant is liable for its assigned share, with statutory exceptions for categories including concerted conduct, toxic exposure, and product liability.[^1][^1] **Coverage:** [General liability](/coverage/general-liability) · [Nevada](/coverage/states/nevada) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## What to Watch for in Nevada ### A Fault Tie Does Not Bar Recovery NRS 41.141 allows recovery when the claimant’s negligence is not greater than the defendants’ combined negligence, but reduces damages by the claimant’s share. Ask what evidence is needed to identify all potentially responsible parties before a claim is resolved.[^1] ### Ordinary Negligence Usually Stays Several For multiple defendants, NRS 41.141 generally makes each defendant liable only for its allocated share. The statute preserves joint-and-several liability, if otherwise applicable, for strict liability, intentional torts, toxic or hazardous releases, concerted acts, and product claims; ask whether any pleaded theory falls within an exception.[^1] ### Personal Injury and Property Damage Use Different Periods NRS 11.190 lists a two-year period for injury to a person or wrongful death and a three-year period for taking, detaining, or injuring personal property. Exceptions and accrual rules apply, so separate bodily-injury and property-loss allegations before setting a litigation timeline.[^2] ## 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.[^3][^4][^5] - [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.[^6][^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for General liability; 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. - [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.[^12] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^14] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] - [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.[^16] ## Questions to Ask Before You Buy in Nevada 1. Does the claim involve only ordinary negligence, or could an NRS 41.141 joint-liability exception apply? 2. How will the parties’ fault shares be preserved if another contractor or property owner contributed? 3. Are the demand’s bodily-injury and property-damage claims governed by different Nevada periods? ## General Liability in Nevada: FAQ ### Can a Nevada claimant recover if they share fault? Yes, if the claimant’s negligence is not greater than the negligence of the defendant or defendants. Damages are reduced in proportion to claimant negligence under NRS 41.141.[^1] ### How long does someone have to sue for a Nevada injury claim? Generally two years for personal injury or wrongful death and three years for injury to personal property under NRS 11.190, subject to exceptions and accrual rules.[^2] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Colorado](/coverage/general-liability/colorado) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [District of Columbia](/coverage/general-liability/district-of-columbia) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maine](/coverage/general-liability/maine) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [North Dakota](/coverage/general-liability/north-dakota) - [Ohio](/coverage/general-liability/ohio) - [Oklahoma](/coverage/general-liability/oklahoma) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in Nevada](/coverage/states/nevada) ## Sources [^1]: [Nevada Revised Statutes Chapter 41](https://www.leg.state.nv.us/nrs/nrs-041.html) — Nevada Legislature; NRS 41.141, current text updated 2026-04-15: claimant comparison threshold, proportional reduction, several liability and enumerated exceptions including strict liability, intentional tort, toxic exposure, concert, product liability. Accessed 2026-09-28. [^2]: [Nevada Revised Statutes Chapter 11](https://www.leg.state.nv.us/nrs/nrs-011.html) — Nevada Legislature; NRS 11.190(4)(c), (e): three years for personal property injury; two years for personal injury/death; current chapter updated 2026; relevant subsections directly read. Accessed 2026-09-28. [^3]: [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. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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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