Workers' comp and business insurance, in your language.
In Nevada, if you have one or more employees, the law requires workers' compensation insurance. We quote it, along with the rest of your business insurance, and send certificates when you are asked for them.
With one or more employees. In construction, even for a short job.
Without coverage, the state can fine you and order you closed until you have insurance.
If a contractor or client asks for a certificate of insurance, we send it.
General liability, commercial auto, property and industry packages.
Industries we serve
Construction, cleaning, landscaping, restaurants, transportation and trucking, salons and barbershops, and retail stores.
Have this ready
- The business name, what it does and its structure (LLC, corporation or sole proprietor).
- Years in business and number of employees.
- Approximate annual payroll and annual sales.
- What you need: general liability, workers' comp, commercial auto, property or bonds.
- Whether you need a certificate for a contract, and by what date.
Payroll and insurance in the same place
Workers' comp is based on payroll. Since we also handle the business's bookkeeping, payroll and taxes, everything lines up in one place. See bookkeeping and payroll →
Opening a business? See LLC and licenses →
Frequently asked questions
Am I required to have workers' comp?
In Nevada, if you have one or more employees, yes: the law requires it. In construction, even for a short job.
I work alone. Why would I need it?
Because many general contractors, project owners and clients will not give you the job without a certificate of insurance.
I am asked for a certificate of insurance for a contract. Do you provide it?
Yes. We send it when you are asked for it, so you do not lose the job. In the request you tell us the date you need it by.
What if I do not have coverage?
The state can fine you up to $15,000 and order your business closed until you have insurance, and you pay the costs of any workplace accident.
What other business insurance do you quote?
General liability, commercial auto, commercial property, bonds and industry packages.
Marrero Bernal & Associates is an independent insurance agency licensed in Nevada, California and Arizona. Insurance is offered through the companies the agency is contracted with; each policy is issued by the corresponding company. Coverage availability varies by company and state.
Source of the requirements: Nevada Division of Industrial Relations. Coverage and premiums depend on the carrier, the industry and the payroll.