Business Insurance Reno, NV

There are numerous options to find coverage for business insurance in Reno, NV. You absolutely need insurance to protect your business from liability and accidents. This guide will help you choose the right coverage at an affordable price.

According to data on the insurance industry, 75% of US businesses are underinsured, and 40% of small business owners have no protection whatsoever. 

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Use an online insurance provider to get a quote, find personalized insurance products, and easily file claims. 

Recommended: Estimate your premiums and coverage options in Nevada. Get a quote from a dedicated small business insurer.

What Insurance Do I Need for My Reno Small Business?

With average premiums for general liability insurance in the United States at about $800/year, protecting your business can be affordable and a smart decision. 

Your premiums in Reno, NV will depend upon your industry, revenue, and risk. A brick-and-mortar business providing any kind of general product, services, or consulting could use a host of coverage options, such as general liability insurance for onsite accidents, commercial property insurance to protect against theft, or workers’ compensation to offer support in the event of workplace injuries.

Ecommerce businesses have unique needs and may be more concerned with data breaches or cybersecurity coverages. You can bundle most of these into a business owner’s policy (BOP).

What Are the Different Types of Business Insurance?

Below are the most popular types of coverage that a small business in Reno, NV may need:

General Liability Insurance Reno

General liability insurance is the most common type of business insurance, as it covers the most basic needs that are shared among all types of companies. Things like bodily injury on your business's property and physical damage caused by employees or employers are covered by this policy. 

Workers' Compensation Insurance Reno

Workers' compensation insurance is meant to protect the interests of your employees if they are injured on the job. It can also protect your business from a lawsuit if that employee needs compensation for their injuries. Workers' comp is mandated for any company with employees in every state except Texas and South Dakota.

Business Owner’s Policy Reno

A business owner's policy is a bundle of insurance policies usually consisting of general liability, commercial property, and business interruption insurance. Since they are packaged and sold as one policy, this makes the administration of your protection simpler, and it may even come at a discounted rate.

Find the Most Affordable Coverage

Visit our Cheapest Business Insurance review to find the best coverage at the lowest rate.

Read Our Review

Online Business Insurance vs. Traditional Insurance Agency in Reno

Online insurance agencies generally provide comparable coverage to a traditional insurer at a lower price. As a result, a growing number of small businesses prefer to use online business providers to find personalized insurance products and save on costs. They offer other benefits as well:

We highly recommend using an online provider like Next Insurance for a number of reasons:

  • Mobile App: Easily access all your coverage provided and Certificate of Insurance (COI) through an app.
  • Personalized Coverage: Online insurance providers use AI and predictive data to provide customized insurance options tailored to the unique risks to your business.
  • Lower Premiums: Online insurance providers save on expenses by not having brick-and-mortar locations or full-time agents and pass on these savings to their customers through lower premiums. 
  • Quick Turnaround on Claims: You can file a claim online and receive a resolution, usually within 48 hours
  • Convenience: Save time by avoiding speaking to an agent on the phone, get a quote instantly and insure your business within 24 hours. 

Two Ways To Start Coverage

Compare Quotes Online

Use our dedicated small business insurance provider to generate a quick and accurate online quote, specifically for your small business. 

Get an online quote

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Speak With an Insurance Representative

Representatives are online from 8:00 a.m.–8:00 p.m. ET, Monday–Saturday, to answer your questions and help you discover the best coverage. 

Call Now: 833-536-1478

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Frequently Asked Questions

Do I really need business insurance?

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Because of this, it’s in your best interest to get insured. 

How much should business insurance cost?

The cost of business insurance for a small business is typically between $700 and $3,800 a year, but this depends greatly on what types of insurance your business needs, your industry and the risk associated with your state.

What are the business insurance requirements in Nevada?

In Nevada, business insurance requirements may vary based on the type and size of your business. It's crucial to have the right insurance to protect your business from potential risks. For a comprehensive understanding of business insurance requirements in other states, please refer to our easy-to-understand guide.

How do I get business insurance in Reno?

An insurer like Next Insurance offers convenience and can get you an instant, online quote with your specific needs in mind or we recommend calling a local insurance agency as listed below in Reno to discuss your unique needs.

What happens if I don’t have business insurance?

  1. In the event of any liability, such as property damage, client injury, data breaches, etc., you can be held responsible to pay in full any court-appointed charges, with no benefit payout to help cover the cost.
  2. Businesses may choose not to work with you, as they do not want to assume all of your risk on their own insurance policy.
  3. Depending on your business and jurisdiction, your state or local government may shut down your business if you do not satisfy their insurance requirements. In addition to this, you may be forced to pay a penalty.

Do I need business insurance if I’m a sole proprietorship?

Yes. Sole proprietorships, like other businesses, should get business insurance. 

Small Business Resources in Reno, NV


The Reno office of the Nevada Small Business Development Center (SBDC) offers direct advice on legal structure selection, licensing and permitting, market research, site selection, business plan creation, and funding capital. They can help your business at whatever stage it's at and has a network that spans nationwide.

The Human Resource Connection

The experts at The Human Resource Connection specialize in connecting your team with the right talent to scale up and run your business successfully. They help you develop job descriptions for future hires, offer training workshops for business development, and connect you with technology to optimize your HR function. 

Reno Collective

At Reno Collective, businesses can access a variety of plans and packages to fill all their coworking space needs. They offer monthly rentals of office spaces, conference rooms, parking lots, complimentary cafes, meditation pods, and much more.

Reno Hive

Reno Hive is a flexible coworking space that offers a variety of workspace styles for entrepreneurs. They also have meeting rooms, specified phone booths, and social events to expand your networking.

Local Insurance Agents in Reno, NV

We have compiled a list of local insurance agencies in Reno, NV if you prefer to discuss your specific needs by speaking to an independent insurance agency or representative.

Nevada Insurance Agency Company

  • Google Rating: 4.5/5
  • 3724 Lakeside Dr. Ste. 100, Reno, NV 89509
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 775-323-5126

ACS Business Insurance Services

  • Google Rating: 5/5
  • 405 Marsh Ave., Reno, NV 89509
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 775-425-3233

Park Family Insurance, Inc.

  • Google Rating: 5/5
  • 3115 Knight Rd., Reno, NV 89509
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 775-800-9545

Balsiger Insurance

  • Google Rating: 4.5/5
  • 499 W. Plumb Ln. Ste. 201, Reno, NV 89509
  • Monday–Friday, 8:30 a.m.–5:00 p.m. PT
  • 775-826-1559

Statement Insurance Agency

  • Google Rating: 5/5
  • 675 W. Moana Ln. Ste. 201, Reno, NV 89509
  • Monday–Friday, 10:00 a.m.–5:00 p.m. PT
  • 775-345-3444

A and H Insurance

  • Google Rating: 4.7/5
  • 3301 S. Virginia St., Reno, NV 89502
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 775-829-2600

Inszone Insurance

  • Google Rating: 5/5
  • 441 W. Plumb Ln., Reno, NV 89509
  • Monday–Friday, 8:30 a.m.–5:00 p.m. PT
  • 877-308-9663