Protect your business vehicles with a Nevada commercial auto policy
Many of Nevada’s 283,000 small businesses need commercial auto insurance to protect against accidents and other mishaps that involve their business vehicles. A personal auto policy won’t cover most vehicles used for work because they’re exposed to more risk than personal autos.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single contractor van in Henderson or several catering trucks in Las Vegas.
Commercial auto coverage for a variety of business types:
Nevada commercial auto insurance cost
Several factors affect the cost of your Nevada commercial auto policy, including your:
Profession
Some industries have more risk than others. An electrical contractor who carries tools and equipment to various job sites every day can expect to pay more than a consultant who runs occasional errands.
Vehicle
Your vehicle’s size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small cargo van with minimal equipment.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It’s common to pay more for commercial auto coverage in a large city like Las Vegas than in a smaller municipality like Carson City. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as earthquakes and wildfires, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Paradise’s city limits is considered lower risk than a vehicle with a regional route that covers all of Southern Nevada.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Nevada state minimum limits of 25/50/20 will pay less than a policyholder needing a combined single limit of $1M.
Nevada commercial auto insurance requirements
Nevada state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $20,000 for property damage (i.e., 25/50/20). Some policies are required to carry higher limits based on the types of vehicles they insure.
It’s important to select limits that are best for your business in addition to what’s required by Nevada state law. Lacking enough coverage for your level of risk could leave you financially responsible for handling lawsuits and recovery costs alone.
Nevada commercial auto resources:
Common professions that need commercial auto insurance in NV:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Nevada
We offer Nevada commercial auto insurance statewide, including these major cities:
- Las Vegas
- Spring Valley
- Reno
- Paradise
- Sparks
- Henderson
- Sunrise Manor
- North Las Vegas
- Enterprise
- Carson City
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