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Nevada Umbrella and Excess Liability Guide

NRS 485.185 requires every owner of a motor vehicle registered or required to be registered in Nevada to maintain, while the vehicle is present or registered here, liability insurance of $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property of others, from an insurer licensed by the Division of Insurance. NRS 42.005 then limits exemplary or punitive damages, except for the defendants listed in subsection 2, to three times compensatory damages if those damages are $100,000 or more, or to $300,000 if compensatory damages are less than $100,000. The underlying auto policy has to stay in force continuously. The punitive cap is a judgment limit, not a reason to drop the excess layer on a products or bad-faith count that subsection 2 removes from the cap. 1,2

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Nevada Requirements

RequirementDetails
Continuous Nevada liability insuranceNRS 485.185 requires $25,000 for bodily injury or death of one person in one crash, $50,000 for two or more persons, and $20,000 for injury to or destruction of property of others, for tort liabilities arising from maintenance or use. The owner must provide it continuously while the vehicle is present or registered in Nevada, subject to the exceptions in subsection 2. This is an auto-insurance requirement, not an umbrella minimum. 1

What to Watch for in Nevada

  • The punitive multiple depends on whether compensatory damages reach $100,000

    If compensatory damages are $100,000 or more, NRS 42.005 limits punitive damages to three times that amount. If they are less than $100,000, the limit is $300,000. A $90,000 compensatory award and a $100,000 compensatory award do not share a formula. Ask which side of that line the verdict is on before you compare it with the excess limit. 2

  • Products, insurer bad faith, and discrimination claims are outside the cap

    Subsection 2 says the limitations do not apply to an action against a manufacturer, distributor, or seller of a defective product; an insurer who acts in bad faith regarding its obligation to provide coverage; or a person for violating a state or federal law prohibiting discrimination. Those counts can be pleaded above the capped amount. Read the rest of subsection 2 for any additional category before you tell an insured the cap applies. 2

  • A lapse while the vehicle is in Nevada breaks the statutory insurance

    The duty is continuous while the motor vehicle is present or registered in this state, and the insurer must be licensed by the Division of Insurance and approved to do business here. An umbrella that assumes a $25,000/$50,000/$20,000 underlying policy does not satisfy NRS 485.185 during a cancellation gap. Ask for the policy term that covers the date of the crash, not only the application date. 1

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

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 Umbrella and excess 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 the product is available in Nevada. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. Is the Nevada auto policy at least $25,000/$50,000/$20,000 and in force on the date in question?
  2. Are compensatory damages $100,000 or more, so that the punitive limit is three times, or below $100,000, so that it is $300,000?
  3. Is the punitive defendant a product seller, an insurer sued for bad faith, or a discrimination defendant under subsection 2?

Umbrella And Excess Liability in Nevada: FAQ

What liability insurance must a Nevada vehicle owner maintain? 1

NRS 485.185 requires $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property damage, continuously while the vehicle is present or registered in Nevada, with the exceptions in subsection 2. 1

How does Nevada limit punitive damages? 2

Except for the defendants listed in NRS 42.005(2), punitive damages may not exceed three times compensatory damages if those damages are $100,000 or more, or $300,000 if compensatory damages are less than $100,000. 2

Umbrella And Excess Liability in Other States

Other Coverage in Nevada

Sources

  1. NRS 485.185, Required motor vehicle insurance. Nevada Legislature; NRS 485.185(1): continuous $25,000/$50,000 bodily injury and $20,000 property coverage from a licensed insurer. Accessed 2026-09-29.
  2. NRS 42.005, Exemplary and punitive damages. Nevada Legislature; Subsection 1: three times compensatory damages if they are $100,000 or more, otherwise $300,000; subsection 2 exceptions include defective products, insurer bad faith, and discrimination claims. Accessed 2026-09-29.
  3. Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
  4. Verify a License. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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