ERGO NEXT ranks first for professional liability insurance in Nevada with strong customer service ratings, flexible coverage options and an easy-to-use digital platform. At $80 monthly, the insurer also provides the cheapest professional indemnity insurance in Nevada, saving small businesses $8 compared to the state average. The Hartford, Simply Business and Progressive also rank among the top errors and omissions insurance providers in Nevada.
Best Professional Liability Insurance in Nevada
Get NV professional liability insurance quotes starting at $28 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: January 30, 2026
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Professional Liability Insurance in Nevada: Key Takeaways
ERGO NEXT provides both the best professional liability insurance and most affordable coverage in Nevada at $80 monthly (Read More).
Professional liability insurance costs in Nevada businesses average $88 monthly for ($1,061 annually), placing the state among the more affordable options (Read More).
Professional liability insurance protects Nevada businesses from financial losses due to professional mistakes, negligence claims and unmet service obligations (Read More).
Nevada businesses can operate without professional liability insurance in most cases, though health care providers and other licensed professionals face mandatory coverage requirements (Read More).
Nevada business owners should request small business insurance quotes from multiple carriers to secure optimal professional liability coverage and pricing (Read More).
Best Professional Liability Insurance Companies in Nevada
| ERGO NEXT | 4.74 | $80 |
| The Hartford | 4.65 | $82 |
| Simply Business | 4.52 | $87 |
| biBERK | 4.45 | $90 |
| Coverdash | 4.45 | $89 |
| Nationwide | 4.45 | $94 |
| Progressive Commercial | 4.40 | $86 |
| Hiscox | 4.37 | $88 |
| Chubb | 4.27 | $101 |
| Thimble | 4.25 | $87 |
How Did We Determine the Best Professional Liability Insurance in Nevada?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN NEVADA
Professional liability insurance is just one piece of protecting your Nevada business. Explore these additional state-specific guides to build comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in NV
pros
Lowest professional liability insurance rates in Nevada
Ranks first for customer service and digital experience
Coverage ready in under 10 minutes with instant certificates
Personalized coverage matching for types and limit amounts
cons
Less than 10 years in business
Claims handling ranks fourth among Nevada providers
COMPANY HIGHLIGHTS
Nevada small businesses save $104 annually with ERGO NEXT while getting top-rated service. The insurer's personalized matching prevents overpaying for unnecessary coverage or being underinsured when claims arise. Whether you're a Las Vegas consultant or Reno tech contractor, you can secure coverage and download certificates at midnight without waiting for business hours. ERGO NEXT's digital platform lets you handle insurance tasks on your schedule, freeing up time for billable work.
2. Simply Business: Best Professional Liability Insurance Coverage Options in NV
pros
Ranks first for coverage options, with 16+ carrier network
Backed by Travelers' A++ Superior financial rating
Coverage for hard-to-insure businesses
Get multiple quotes online in 10 minutes
cons
Claims process ranks eighth nationally
Customer satisfaction scores mid-tier compared to direct insurers
Rates higher than other providers
COMPANY HIGHLIGHTS
Simply Business solves a problem direct insurers can't: getting coverage when you've been rejected or need specialized policies. Whether you're a Carson City accountant with complex client risks or a Henderson construction consultant, you'll access 16+ carriers instead of one insurer's limited options. Compare quotes in 10 minutes rather than spend hours calling insurers individually, and match coverage to your Nevada business's specific risks.
Average Cost of Professional Liability Insurance in Nevada
Professional liability insurance costs in Nevada vary by industry. Home-based businesses pay the most affordable rates at around $42 per month, while mortgage brokers face the highest costs at approximately $190 per month. You can find rates for your industry by using the filtering tool below to compare coverage options.
Data filtered by:
Select
| Accountants | $164 | $1,968 |
| Ad Agency | $111 | $1,334 |
| Auto Repair | $93 | $1,121 |
| Automotive | $84 | $1,012 |
| Bakery | $60 | $724 |
| Barber | $49 | $585 |
| Beauty Salon | $55 | $660 |
| Bounce House | $68 | $818 |
| Candle | $47 | $561 |
| Cannabis | $143 | $1,711 |
| Catering | $92 | $1,106 |
| Cleaning | $61 | $735 |
| Coffee Shop | $68 | $821 |
| Computer Programming | $119 | $1,425 |
| Computer Repair | $72 | $865 |
| Construction | $86 | $1,033 |
| Consulting | $121 | $1,449 |
| Contractor | $73 | $875 |
| Courier | $58 | $697 |
| DJ | $51 | $616 |
| Daycare | $123 | $1,478 |
| Dental | $96 | $1,148 |
| Dog Grooming | $62 | $744 |
| Drone | $121 | $1,449 |
| Ecommerce | $69 | $825 |
| Electrical | $73 | $872 |
| Engineering | $118 | $1,419 |
| Excavation | $76 | $911 |
| Florist | $44 | $529 |
| Food | $127 | $1,528 |
| Food Truck | $67 | $806 |
| Funeral Home | $93 | $1,114 |
| Gardening | $45 | $544 |
| HVAC | $94 | $1,132 |
| Handyman | $62 | $743 |
| Home-based business | $42 | $509 |
| Hospitality | $84 | $1,006 |
| Janitorial | $58 | $697 |
| Jewelry | $69 | $832 |
| Junk Removal | $78 | $939 |
| Lawn/Landscaping | $59 | $707 |
| Lawyers | $167 | $2,000 |
| Manufacturing | $67 | $804 |
| Marine | $100 | $1,205 |
| Massage | $119 | $1,433 |
| Mortgage Broker | $190 | $2,276 |
| Moving | $92 | $1,105 |
| Nonprofit | $58 | $690 |
| Painting | $73 | $874 |
| Party Rental | $62 | $744 |
| Personal Training | $81 | $969 |
| Pest Control | $110 | $1,324 |
| Pet | $53 | $633 |
| Pharmacy | $66 | $790 |
| Photography | $73 | $871 |
| Physical Therapy | $106 | $1,277 |
| Plumbing | $102 | $1,225 |
| Pressure Washing | $64 | $769 |
| Real Estate | $142 | $1,708 |
| Restaurant | $94 | $1,124 |
| Retail | $62 | $750 |
| Roofing | $110 | $1,322 |
| Security | $113 | $1,361 |
| Snack Bars | $54 | $650 |
| Software | $106 | $1,273 |
| Spa/Wellness | $126 | $1,509 |
| Speech Therapist | $113 | $1,356 |
| Startup | $82 | $981 |
| Tech/IT | $112 | $1,348 |
| Transportation | $108 | $1,296 |
| Travel | $111 | $1,330 |
| Tree Service | $86 | $1,033 |
| Trucking | $125 | $1,502 |
| Tutoring | $70 | $841 |
| Veterinary | $131 | $1,567 |
| Wedding Planning | $88 | $1,060 |
| Welding | $88 | $1,055 |
| Wholesale | $71 | $856 |
| Window Cleaning | $70 | $841 |
How Did We Determine These Nevada Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Nevada Professional Liability Insurance Cover?
Professional liability insurance in Nevada protects your business when clients claim you made errors or failed to deliver promised services. This coverage handles liability damages from negligence and helps pay legal costs when disputes arise. The policy goes by several common names in the insurance world:
- Errors and omissions insurance (E&O)
- Malpractice insurance (used mainly in health care and law)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Nevada?
Nevada law doesn't require professional liability insurance for most businesses. Real estate professionals are the exception; they must prove they carry errors and omissions coverage to the Nevada Real Estate Division each year. Health care providers need malpractice insurance to get hospital privileges, but the state doesn't legally require it. Most contracts ask for $1 million per occurrence and $2 million aggregate coverage.
Who Needs Professional Liability Insurance in Nevada?
Professional liability insurance matters for Nevada businesses dealing with client contracts or facing professional negligence risks. The state's diverse economy, from Las Vegas gaming to Reno tech startups, creates unique liability exposures across industries.
Tech professionals
Nevada's growing tech sector, supported by state accelerators and featuring the nation's only complete lithium supply chain, needs tech E&O insurance for data breach and software failure risks in clean energy and advanced manufacturing. Your clients hold you financially responsible when coding errors or system failures cause business losses, making professional liability coverage essential for IT consultants and software developers across Nevada.
Construction and contractor professionals
Nevada's State Contractors Board licenses construction professionals who carry significant liability exposure on every project. Your work creates lasting structures, and long-tail claims mean clients can pursue negligence suits years after project completion when design flaws or construction errors surface in property damage or safety issues.
Medical professionals
Nevada doesn't require malpractice insurance by statute, but hospitals and medical facilities throughout Las Vegas, Reno and Carson City mandate coverage for staff privileges. You risk personal financial ruin without coverage when patients claim treatment errors caused harm, as Nevada courts allow substantial economic damages with no cap.
Real estate professionals
Nevada's Real Estate Division requires real estate professionals to provide annual proof of errors and omissions insurance. Your license depends on maintaining coverage, as property transaction mistakes, from disclosure failures to contract errors, expose you to costly claims from buyers and sellers.
Financial and consulting professionals
Nevada's business-friendly tax environment (no corporate income tax) attracts companies in gaming, hospitality and clean energy sectors that rely on financial advisors and consultants who need professional liability protection. Clients sue when your investment advice or business recommendations result in financial losses, and Nevada's business climate means you'll encounter complex transactions requiring expert guidance.
Legal Professionals
Nevada's State Bar doesn't mandate malpractice insurance, but the bar's website publicly lists which attorneys carry coverage. Your professional reputation suffers without insurance, and clients increasingly require proof of coverage before hiring lawyers for gaming regulations, real estate transactions and business matters in Nevada's specialized legal landscape.
How to Get the Best Professional Liability Insurance in Nevada
Our step-by-step guide walks you through getting business insurance in Nevada that matches your professional liability needs and budget. Nevada's tax-friendly environment attracts diverse businesses, from Las Vegas gaming consultants to Reno tech startups, each requiring different coverage approaches.
- 1
Assess your professional liability insurance coverage needs
Start by understanding your business risks and client requirements you must meet. A Reno software developer serving Nevada's lithium supply chain manufacturers faces different liability exposures than a Henderson CPA advising small businesses relocating for the state's zero corporate income tax.
- 2
Work with a local agent
Look for an agent who knows Nevada's business landscape and understands how business insurance costs vary by location and industry. Agents familiar with Nevada can explain how gaming industry consultants in Las Vegas face different professional liability exposures than construction advisors in Reno's expanding commercial market.
- 3
Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. A North Las Vegas technology consultant working with casino operators should examine cyber liability exclusions and data breach coverage, not just premium costs, when evaluating policies.
- 4
Research the best providers
Look beyond price to find insurers with strong financial ratings, responsive claims handling and experience in Nevada's dominant industries like gaming, hospitality and clean energy. Check AM Best ratings and review complaint data through the Nevada Division of Insurance to ensure your chosen insurer handles claims fairly.
- 5
Consider bundling discounts
Many Nevada insurers offer discounts when you combine professional liability with other types of business insurance like general liability or cyber coverage. A Sparks engineering firm working on Nevada's renewable energy projects saved 18% by bundling professional liability with pollution liability coverage required for environmental consulting work.
- 6
Don't let your coverage lapse
Professional liability policies protect you only from lawsuits filed while your policy is active, even if the work happened years ago. A Henderson financial advisor switching from a California-based insurer to a Nevada-focused carrier should ensure the new policy covers prior acts or purchase tail coverage (extended reporting coverage) to protect against claims from previous California clients.
Get Nevada Professional Liability Insurance Quotes
MoneyGeek matches you with top professional liability insurance providers in Nevada for your specific industry. Use our tool below to find your best company match and receive tailored quotes for your business.
Get Matched to the Best NV Professional Liability Insurer for You
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Nevada Professional Liability: Bottom Line
Finding the right professional liability insurance in Nevada means understanding your business risks and choosing the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget should guide your final decision. Start by assessing your needs, then work with a local agent to compare options and secure coverage that financially protects your Nevada business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.