A Nevada workers comp exemption lets certain business owners legally go without workers’ compensation coverage on themselves — typically sole proprietors, partners, LLC members and corporate officers — while the law still requires coverage for employees once a business has 1 or more.
This guide explains who qualifies for the Nevada workers comp exemption, the exact form, where to file it, what it costs, and what an exempt owner gives up. Verified against Nevada sources as of October 2026.
Nevada at a Glance
| Coverage required at | 1 employee(s) |
| Exemption form | For owners, NONE. Corporate officers and LLC managers make the NRS 616B.624 rejection by written notice to the insurer, not on a state-numbered form. For employees, Nevada DIR Form D-43, “Employee’s Election to Reject Coverage; and Election to Waive the Rejection of Coverage for Excluded Persons” (NRS 616B.656). For an employer covering excluded persons, Form D-44, “Employer Election of Coverage and Employer Withdrawal of Election of Coverage.” For sole proprietors bidding on public contracts, the Affirmation of Compliance under NRS 616B.627(2). |
| Filed with | Officer or LLC-manager rejection: written notice to the workers’ comp insurer (also to the corporation or company if the officer is unpaid), under NRS 616B.624. D-43 employee rejection: written notice to the employer, the DIR Administrator and the insurer, under NRS 616B.656. Forms are at https://dir.nv.gov/WCS/Workers__Compensation_Forms_and_Worksheets. I found no online filing portal. |
| Filing fee | $0 (the statute requires only written notice and sets no filing fee; confirm with the insurer and DIR) |
| Renewal | NONE. The rejection has no set expiration and stays in effect until it is rescinded in writing. For an unpaid officer, it is treated as rescinded automatically once they start receiving pay (NRS 616B.624). |
In This Nevada Guide:
Who Qualifies for A Nevada Workers Comp Exemption
Nevada limits the election to owners with a real stake in the business; the table below lists the classes and any ownership-percentage or officer-count limit.
NRS 616B.624. Officers of quasi-public, private and nonprofit corporations and managers of LLCs are covered by default. (1) An officer or manager who owns the corporation or company and is paid may reject coverage by filing written notice with the insurer. The rejection takes effect when the insurer receives it.
(2) An officer or manager who is not paid may reject by filing written notice with both the corporation or company and the insurer. It takes effect when the insurer receives it. (3) A rejection can be rescinded by written notice to the company and the insurer. If an officer who rejected while unpaid later starts receiving pay, the rejection is treated as rescinded.
For premiums, a paid officer is deemed to earn at least 6000 and at most 36000 per policy year. An unpaid officer is deemed to earn 500 per month (6000 per policy year).
How to File the Nevada Workers Comp Exemption
The form is For owners, NONE. Corporate officers and LLC managers make the NRS 616B.624 rejection by written notice to the insurer, not on a state-numbered form. For employees, Nevada DIR Form D-43, “Employee’s Election to Reject Coverage; and Election to Waive the Rejection of Coverage for Excluded Persons” (NRS 616B.656).
For an employer covering excluded persons, Form D-44, “Employer Election of Coverage and Employer Withdrawal of Election of Coverage.” For sole proprietors bidding on public contracts, the Affirmation of Compliance under NRS 616B.627(2).. It is filed with Officer or LLC-manager rejection: written notice to the workers’ comp insurer (also to the corporation or company if the officer is unpaid), under NRS 616B.624.
D-43 employee rejection: written notice to the employer, the DIR Administrator and the insurer, under NRS 616B.656. Forms are at https://dir.nv.gov/WCS/Workers__Compensation_Forms_and_Worksheets. I found no online filing portal.. The fee is $0 (the statute requires only written notice and sets no filing fee; confirm with the insurer and DIR). Renewal: NONE. The rejection has no set expiration and stays in effect until it is rescinded in writing.
For an unpaid officer, it is treated as rescinded automatically once they start receiving pay (NRS 616B.624).. Filing on the state’s own site costs nothing beyond any statutory fee — the “exemption filing services” that advertise on this search charge for the same form.
Nevada Workers Comp Exemption Rules at a Glance
The exact Nevada workers comp exemption rules every owner should check before deciding to go without coverage:
| Employee threshold | 1 |
| Corporate officers | NRS 616B.624. Officers of quasi-public, private and nonprofit corporations and managers of LLCs are covered by default. (1) An officer or manager who owns the corporation or company and is paid may reject coverage by filing written notice with the insurer. The rejection takes effect when the insurer receives it. (2) An officer or manager who is not paid may reject by filing written notice with both the corporation or company and the insurer. It takes effect when the insurer receives it. (3) A rejection can be rescinded by written notice to the company and the insurer. If an officer who rejected while unpaid later starts receiving pay, the rejection is treated as rescinded. For premiums, a paid officer is deemed to earn at least 6000 and at most 36000 per policy year. An unpaid officer is deemed to earn 500 per month (6000 per policy year). |
| Workers exempt by law | These groups are excluded from the definition of “employee” under NRS 616A.110: (1) Casual workers whose work is not in the course of the employer’s business. “Casual” means the work is completed in 20 working days or parts thereof in a calendar quarter and the total labor cost is less than 500. (2) Household domestic service, farm, dairy, agricultural or horticultural labor, and stock or poultry raising. (3) Real estate brokers, broker-salespersons and salespersons licensed under NRS chapter 645. (4) Clergy, rabbis, lay readers and people in similar religious positions. (5) Certain theatrical performers and casual musicians. Under NRS 616B.656, an employer may still choose to cover excluded workers. For independent contractors, the hiring contractor generally must get proof of the independent contractor’s own coverage. Confirm details with the DIR. |
| Form | For owners, NONE. Corporate officers and LLC managers make the NRS 616B.624 rejection by written notice to the insurer, not on a state-numbered form. For employees, Nevada DIR Form D-43, “Employee’s Election to Reject Coverage; and Election to Waive the Rejection of Coverage for Excluded Persons” (NRS 616B.656). For an employer covering excluded persons, Form D-44, “Employer Election of Coverage and Employer Withdrawal of Election of Coverage.” For sole proprietors bidding on public contracts, the Affirmation of Compliance under NRS 616B.627(2). |
| Where to file | Officer or LLC-manager rejection: written notice to the workers’ comp insurer (also to the corporation or company if the officer is unpaid), under NRS 616B.624. D-43 employee rejection: written notice to the employer, the DIR Administrator and the insurer, under NRS 616B.656. Forms are at https://dir.nv.gov/WCS/Workers__Compensation_Forms_and_Worksheets. I found no online filing portal. |
| Fee | $0 (the statute requires only written notice and sets no filing fee; confirm with the insurer and DIR) |
| Renewal | NONE. The rejection has no set expiration and stays in effect until it is rescinded in writing. For an unpaid officer, it is treated as rescinded automatically once they start receiving pay (NRS 616B.624). |
What A Nevada Workers Comp Exemption Gives Up
An exempt owner who is hurt on the job in Nevada has no workers’ comp claim: no medical coverage from the policy, no wage replacement and no disability award. Health insurance may exclude work injuries. Most owners who physically work the job keep themselves covered for that reason.
One honest paragraph on the “ghost policy”: a minimum-premium policy with no employees sold to owners who need a certificate of insurance. It is legal in many states, but it is not a Nevada workers comp exemption — it is coverage with nobody on it. If you add a worker, it must be reported, or the audit will find them.
Workers Exempt by Law in Nevada
These groups are excluded from the definition of “employee” under NRS 616A.110: (1) Casual workers whose work is not in the course of the employer’s business. “Casual” means the work is completed in 20 working days or parts thereof in a calendar quarter and the total labor cost is less than 500. (2) Household domestic service, farm, dairy, agricultural or horticultural labor, and stock or poultry raising.
(3) Real estate brokers, broker-salespersons and salespersons licensed under NRS chapter 645. (4) Clergy, rabbis, lay readers and people in similar religious positions. (5) Certain theatrical performers and casual musicians. Under NRS 616B.656, an employer may still choose to cover excluded workers. For independent contractors, the hiring contractor generally must get proof of the independent contractor’s own coverage. Confirm details with the DIR.
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Proving A Nevada Workers Comp Exemption or Coverage
General contractors and clients in Nevada ask for proof before work starts: a certificate of insurance for covered employers, or the filed exemption certificate for exempt owners. Many states also run a public coverage-verification lookup on the agency site.
Why the Nevada Workers Comp Exemption Matters
The Nevada workers comp exemption is a trade: lower cost today against no safety net if you are hurt. The second half of the trade is the one the search results never lead with. (1) A sole proprietor who is a licensed contractor under NRS 624.020 must carry coverage even with no employees. (2) A sole proprietor who elects coverage is deemed to earn 300 per month.
To get more coverage, they must file written notice with the Administrator and the private carrier at least 90 days before any injury (NRS 616B.659). The carrier may require a physical exam before coverage starts. (3) Any covered employee, not only owners, may reject coverage by written notice on Form D-43 (NRS 616B.656). (4) Nevada has no officer-count cap and no written minimum ownership percentage for officer rejection.
Confirm all details with the Nevada DIR and a licensed attorney. If the Nevada workers comp exemption rules above leave any doubt about whether a worker counts, ask the state agency before you decide — the answer is free, and the penalty for guessing wrong is not.
Employer side: the Nevada requirements guide covers the threshold, who counts and the penalties in full. Hurt while exempt? You may still have a claim against a third party — a licensed attorney can say.
Frequently Asked Questions
Who can file a workers comp exemption in Nevada?
Typically owners with a real stake — sole proprietors, partners, LLC members and qualifying corporate officers — not employees. See the table for Nevada’s rule.
What form is the Nevada workers comp exemption?
For owners, NONE. Corporate officers and LLC managers make the NRS 616B.624 rejection by written notice to the insurer, not on a state-numbered form. For employees, Nevada DIR Form D-43, “Employee’s Election to Reject Coverage; and Election to Waive the Rejection of Coverage for Excluded Persons” (NRS 616B.656).
For an employer covering excluded persons, Form D-44, “Employer Election of Coverage and Employer Withdrawal of Election of Coverage.” For sole proprietors bidding on public contracts, the Affirmation of Compliance under NRS 616B.627(2).. File it on the state’s own site; filing services charge for the same form.
Can an exempt owner in Nevada still collect benefits if hurt?
No. An exemption removes the owner from coverage, so there is no claim for medical care or lost wages. That is the trade.
Official Nevada Sources & Resources
- Nevada Nevada Department of Business and Industry, Division of Industrial Relations (DIR), Workers’ Compensation Section: https://dir.nv.gov/WCS/
- Nevada Workers’ Comp Statute: https://www.leg.state.nv.us/NRS/NRS-616B.html
- U.S. Department of Labor — Workers’ Comp: dol.gov
- Insurance Information Institute: iii.org
This Nevada workers comp exemption guide was last verified against official Nevada sources in October 2026. Rules change — confirm the current figure with the state agency or a licensed attorney.
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Disclaimer: This guide is informational only and is not legal, medical, or financial advice. Workers Comp Explained is an independent educational resource, not a law firm or insurer. Workers’ comp benefits, settlement values, deadlines, and requirements vary by state and by the specific facts of your injury and change over time, and any settlement figures here are illustrative only.
Confirm your rights and any deadline with your state’s workers’ compensation board and a licensed attorney before you act.