5 Best General Liability Insurance Companies in Nevada

Thang Truong
Thang Truong
Updated on:

General liability insurance protects your business from claims of bodily injury or property damage that happen while doing business. Lawsuits related to this issue can cost upwards of six figures in legal and settlement costs, enough to put most small businesses out of operation if they don’t have adequate general liability protection.

This article reveals the top 5 general liability insurers for different reasons along with what you need to know to get adequate general liability protection for your operation.

The 5 best general liability insurance companies in Nevada 

  • Simply Business: Best for comparing several quotes to find the cheapest one
  • Next: Best for fast insurance coverage
  • CoverWallet: Best for comparing several quotes of general liability (and other coverages)
  • InsurePro: Best for short-term pay-per-day coverage
  • biBerk: Best for affordable general liability protection

Simply Business: Best for comparing several quotes to find the cheapest one

Simply Business isn’t a direct insurance provider. Instead, it’s a broker that connects small business owners with highly reputable insurers to buy coverage. As a broker, Simply Business specializes in helping small businesses get and compare several quotes to find the cheapest one for them.


  • It’s easy to get multiple quotes from different insurers through Simply Business.
  • Simply Business checks out the insurers on its platform to ensure they’re reputable.
  • It has a complete online library to help you learn about business insurance coverage.


  • Policy underwriting, claims processing, and customer service are handled by third-party insurers, not Simply Business.
  • You can’t file a claim through Simply Business. It must be done through your insurer.
  • If you specifically want to get coverage from an insurer who Simply Business doesn’t work with, you are out of luck.

Here is a sample general liability quote for a small marketing consulting business in Las Vegas.

Next: Best for fast insurance coverage

Next Insurance is a business insurance company that sells policies online. You can purchase individual coverages or packages tailored to specific industries. 


  • Easy online application allows business owners to get insurance in minutes.
  • You can earn a ten percent discount on bundled policies.
  • You can access a certificate of insurance and other paperwork online.


  • Traditional business owners who prefer paper records may find the digital claim process uncomfortable.
  • Specialized insurance coverages aren’t available through Next.
  • Next may not always be the cheapest general liability insurance provider.

Here is a sample general liability quote for a small marketing consulting business in Las Vegas.

CoverWallet: Best for comparing several quotes of many other coverages

CoverWallet is an online insurance broker. It makes it easy for small business owners to get insurance quotes from several companies. It connects you with top insurers that offer general liability and other insurance coverage. The advantage of working with CoverWallet is that if you need to buy other coverages that your business may need, you can rest assured that CoverWallet can help you compare quotes for other coverages as well. Secondly, if your business is in a high-risk industry, which may be difficult to find coverage, CoverWallet can help you find the right insurance companies for you.


  • CoverWallet can save you the time of contacting multiple insurers to compare costs. 
  • If you buy your insurance through CoverWallet, you can use its online tools to pay your premiums, file claims, and download your proof of insurance.
  • Coverage through CoverWallet comes from top-tier insurers.


  • CoverWallet doesn’t always provide you with online quotes. Sometimes, you have to call a representative to complete the quoting process.
  • You will not be able to make claims through CoverWallet. You’ll have to work with the insurer that provides your coverage. 

InsurePro: Best for short-term pay-per-day coverage

If you need general liability insurance fast, InsurePro could help you secure coverage in minutes. InsurePro is also unique in providing short-term general liability coverage. You can get coverage by days, weeks, or for a particular project. This will save you a lot of money, instead of buying a traditional annual policy.


  • InsurePro makes it easy to get quotes from several well-known and reputable insurers all in one place.
  • The entire process usually takes less than 15 minutes from beginning to end. 
  • InsurePro’s premiums are competitive.


  • If you need comprehensive insurance protection beyond general liability coverage, InsurePro may not be able to provide all the coverages you need.
  • If you need highly customized protection, InsurePro may not be able to provide it.
  • You may not be able to get personalized help purchasing general liability insurance.

Here is a sample general liability quote for a small marketing consulting business in Las Vegas.

biBerk: Best for affordable general liability protection

biBerk is a low-cost business insurance provider. Even though you’re saving money on your general liability insurance coverage, you can rest assured knowing you’ll still receive top-notch service and claims processing.


  • biBERK reduces policy costs by almost 20 percent because it insures small businesses directly, with no middleman.
  • biBerk is part of Berkshire Hathaway, a company headed by renowned investor Warren Buffett. 
  • Berkshire Hathaway has been insuring people and businesses for more than 75 years.


  • Despite biBerk’s reputation for being a low-cost insurer, it’s essential to get quotes from other companies to make certain you’re getting coverage at a fair price.
  • Not the best insurer for complex coverage needs.
  • Old school business owners may not like biBerk’s buying process.

What is general liability insurance?

General liability insurance (GLI) is often referred to as business liability or commercial liability insurance. It helps protect your business against claims of bodily injury or property damage that happen in the course of running your business. If you don’t have general liability protection, you have to pay for medical and property damage expenses out of pocket, which could put your business out of operation.

What does general liability cover in Nevada?

Most business owners choose to get this insurance. It protects them against claims of:

  • Bodily injury. If a customer or client injures themselves in your place of business, for instance, they slip and fall in your lobby, this insurance can help cover their medical bills. 
  • Property damage. If you or an employee accidentally damages someone’s property while conducting business, for instance, breaking an expensive vase while making a delivery, general liability will pay for repairs or replacement.
  • Reputational harm. If you’re ever sued for slander, libel, wrongful eviction, or violating a person’s privacy, general liability insurance could help pay for legal and settlement costs. 
  • Advertising issues. A general liability policy typically covers claims of copyright infringement. 

General liability insurance doesn’t cover all injuries or damages that happen while doing business. For example, if an employee gets injured or becomes ill for work reasons, it would not be covered by general liability insurance. You’d have to obtain workers’ compensation insurance to pay for that. Also, if you damage someone’s property or harm someone because of a professional error you make at work, it won’t be covered by general liability insurance. You’ll need professional liability coverage to pay legal and settlement costs related to those incidents.

Who needs general liability insurance in Nevada?

Insurance experts say the likelihood of worksite injuries and incidents that result in property damage are much more common than most small business owners think. If they don’t have business liability coverage, they could be required to pay legal, settlement, medical, repair, and replacement costs out of pocket. If the incident is severe enough, it could be enough to put a company out of operation.

This is particularly relevant in Nevada, especially in Las Vegas, where businesses have a lot of customers who are not always sober when visiting their stores. If these customers have any incidents or accidents at the stores, they may sue your business for the personal injuries or property damages that they suffer. Statistics show that small businesses only need 1 lawsuit to be bankrupt since a lawsuit can cost up to hundreds of thousands dollars.

All small businesses in Nevada should have general liability insurance. This is the most necessary policy that small businesses should have. If you can only afford one policy, let it be a general liability.

Is general liability insurance legally required in Nevada?

State laws typically don’t require business owners to carry general liability insurance. However, it’s still a good idea to have this coverage. If a customer sues your business and you don’t have it, it can put your business and personal assets at risk.

Always make it a point to work with your insurer to always ensure you’re meeting your state’s business insurance requirements. If you don’t, you could put your small business at significant legal and financial risk.

How much does general liability insurance cost in Nevada?

The average cost of general liability insurance in Nevada is $40 per month or $480 per year. 80% small businesses in Nevada pay between $25 to $238 per month for a $1M general liability insurance policy.

That is a wide range since general liability insurance costs vary depending on several factors that we are discussing below.

This is just the average, your rates will be different. Be sure to shop around with a few companies in our list above to compare several quotes to find the cheapest one for your business.

Factors impacting general liability insurance costs in Nevada

Your general liability premium depends on several factors but can vary from a few hundred dollars to a few thousand dollars a year. One significant factor is your type of business. Companies in risky industries pay a higher general liability insurance cost compared with businesses in lower-risk sectors.

For example, construction or contracting businesses will likely see higher insurance quotes and pay higher premiums than consultants. Other factors that can affect the cost of general liability insurance include:

  • Years in business
  • Business location (companies in areas with higher rates of lawsuits, such as major cities, pay more for coverage)
  • Number of employees and experience
  • Coverage limits and deductibles
  • Insurance claims history
  • Insurer and how it calculates coverage costs.

How to find cheap general liability insurance in Nevada?

One way to reduce business general liability insurance costs is to purchase coverage through a business owner’s policy (BOP).  A BOP bundles general liability, commercial property, and (sometimes) lost income coverage in a single, cost-effective policy. Learn more at the best BOP insurance companies and BOP insurance cost

Compare several quotes to find the cheapest one: The best way to find out how much your general liability insurance will cost is to get quotes. You can compare coverage and prices to find the best provider and policy for you.

Reducing your coverage limits or increasing your policy’s deductibles: This will help reduce the policy’s premiums. Most policies are designed with a standard approach of $1M coverage limit that your small business may not need.

Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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