Core coverages in this program
- •General Liability (including care, custody & control)
- •Janitorial Service / Employee Dishonesty Bond
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Inland Marine (equipment)
- •Umbrella Liability
Nevada requirements for janitorial & cleaning businesses
Nevada requires a state business license through the Secretary of State, renewed annually, plus Clark or Washoe County licensing. Workers' compensation is required at the first employee, and casino, resort, and HOA contracts in Las Vegas typically require $2M general liability and a named bond.
Workers' compensation in Nevada
Nevada requires workers' compensation for every employee from the first hire, and sole proprietors in construction must carry coverage on themselves unless a valid waiver is on file with the Division of Industrial Relations. Rates are developed through NCCI, administered through Nevada's Division of Industrial Relations, and janitorial & cleaning payroll typically rates at $3 to $9 per $100 of payroll on class code 9014 (building service contractors). SB 317 (2025) tightened claim-handling deadlines and penalty schedules for carriers and TPAs, which raises the value of picking a carrier with a real Nevada claims desk rather than the cheapest quote.
What Nevada operators actually pay in 2026
The ranges below reflect what KTL clients in Nevada pay today for a small-to-midsize operation, adjusted for Nevada rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical NV annual cost |
|---|---|---|
| General Liability | $1M/$2M, small commercial cleaner | $500 – $1,800 |
| Janitorial Bond | $10K–$100K employee dishonesty | $150 – $650 |
| Care, Custody & Control | Damage to property you're working on | $350 – $1,350 |
| Commercial Auto | Per van | $1,350 – $2,750 |
| Umbrella | $1M excess | $650 – $1,700 |
The Nevada angle most brokers miss
Las Vegas resort and HOA work is the highest-value janitorial book in the state, and it comes with the strictest insurance exhibits. Higher limits are cheaper than losing the contract.
Exposures we underwrite for Nevada accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Damage to client property, floors, and fixtures you're cleaning
- •Theft allegations from unsupervised access to client buildings
- •Slip-and-fall claims from wet floors during service
- •Chemical exposure and repetitive-motion injuries to crews
- •Contracts requiring limits and bonds you don't currently carry
Where we write in Nevada
We serve Nevada clients remotely by phone, email, and video — no office visit required — with concentrations in Las Vegas, Henderson, North Las Vegas, Reno, Sparks, Carson City. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.