Nevada now counts each private employee's pay for industrial insurance only up to a per-person limit, and the limit depends on when the policy takes effect. Enter each person's pay for the policy year to estimate how much of it counts under that limit and under the old $36,000 cap. The result is counted payroll, not a premium.
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Pick the period your policy's effective date falls in. Then enter each person's pay for the policy year, with any tips they reported to you added in, and mark paid officers and LLC managers in the type menu. Nothing you type leaves your browser.
Enter employees and paid officers or LLC managers. Leave out unpaid officers and any sole proprietors or partners who carry coverage; Nevada counts them at set amounts, so confirm theirs with the carrier.
Counted: $0
Counted: $0
Counted: $0
| People entered | 0 |
|---|---|
| Pay entered | $0 |
| Counted under the limit you chose | $0 |
| Counted under the old $36,000 cap | $0 |
| Difference | $0 |
An estimate of counted payroll, not a premium. Paid officers and LLC managers count between $6,000 and $36,000 a year. The carrier applies the limit, its classifications and its own rates. Nothing you type here is saved or sent.
| Policy Effective Date | Pay Counted per Employee | Source |
|---|---|---|
| Before October 1, 2026 | Typically up to the old cap of $36,000 | Nevada Revised Statutes 616B.222, before the SB 317 amendment |
| October 1, 2026 to December 31, 2026 | Up to $98,433.60 | Nevada Division of Insurance advisory loss costs effective October 1, 2026 |
| January 1, 2027 through December 31, 2027 | Up to $102,452.16, until the state sets the next figure | Nevada Division of Insurance advisory loss costs effective March 1, 2027 |
| Government employers, any date | $36,000, unless the employer elects the new method | SB 317 enrolled text |
SB 317 replaced the flat cap with a moving one: twelve times Nevada's maximum average monthly wage, figured again every January 1. Because the published limits are tied to the date a policy takes effect, the date that matters is the start of your policy year, not the date of any one paycheck. A policy starting in a later year may carry a different limit than the ones shown here.
The change was paired with a law-only filing that cut advisory loss costs 32.8% on October 1, 2026. Loss costs came down because more of each well-paid worker's wages now count, so the two changes are meant to offset each other across the state. The Nevada loss cost changes page lists that filing with the state's other rate actions.
The per-employee limit covers the wages of a private employer's employees. Owners are counted under separate rules. A paid officer or LLC manager is counted somewhere in a yearly range of $6,000 to $36,000, depending on pay, and the calculator applies that range to anyone you mark with that type.
Unpaid officers, sole proprietors and partners who carry coverage are counted at set amounts written into Nevada's rating rules rather than at what they draw, and a sole proprietor or partner working as a licensed sub has a set amount of its own. The calculator leaves those people out, so confirm their amounts with the carrier. Whether an owner carries coverage at all is a separate election; the Nevada contractor workers comp rules page explains who may elect or reject coverage.
Nevada counts tips. Once an employee's tips reach $20 or more in a month, they must be reported and carry premium at the same rate as wages, which is why the pay you enter should include reported tips. For a bartender or server, tips can push yearly pay past the limit even when the hourly wage is modest.
Staff meals you provide are valued at your own cost to provide them, rather than their menu price. Ask the carrier how it wants furnished meals and overtime shown before you add them to a person's total. The restaurant payroll for workers comp guide sorts kitchen, server and bartender pay by role, and the workers comp for Nevada restaurants page shows how the limit meets a dining room's highest earners.
With counted payroll by role in hand, get a workers comp quote and list the paid officers separately; each request goes to a broker for review.
The certificate list for subcontractors and the three-state comparison are on the free workers comp tools page.
Send your trade, state and payroll, and a broker reviews the request. If you would rather talk first, leave a number.
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For a private employer, the old cap gave way to the new limit on policies effective on or after October 1, 2026. A policy that took effect before that date was typically rated under the old cap until it renewed. Government employers keep the $36,000 figure unless they elect the new method.
On policies effective January 1, 2027 through December 31, 2027, the pay counted for each employee stops at $102,452.16. The state figures the limit again every January 1 from its maximum average monthly wage, so a policy starting the year after may use a different number.
It depends on your pay mix. The law-only filing was expected to be premium neutral across Nevada, which is not the same as neutral for each business. An employer with several people paid above the old cap may see more payroll counted, while the lower loss costs apply to all of its payroll. Your classifications and the carrier's rates decide the result.
Include tips the employee reported to you. In Nevada, monthly tips that reach $20 must be reported and are rated like wages, so leaving them out may understate counted payroll for servers and bartenders.
Choose the paid officer or LLC manager type. For that person the calculator uses a yearly figure no lower than $6,000 and no higher than $36,000, in place of the employee limit. Unpaid officers, sole proprietors and partners are counted at set amounts the calculator doesn't model, so confirm those with the carrier.
No. The calculator runs in your browser and does not save or send the names or pay you enter. If you want a broker to see the figures, copy them into a quote request yourself.
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Reviewed by David Gleason, Principal, on .
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