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A work van takes a tight turn with its tools visible through an open side door.Illustration for The General Average

What Commercial Auto Insurance Requirements Apply in Nevada?

Nevada assigns motor-carrier insurance filings to the Authority or Department, and its freight-only schedule sets $300,000 for specified 10,001–26,000-pound carriers and $750,000 for 26,001–80,000-pound carriers. The rule separately addresses cargo and defers to a higher federal minimum when one applies.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Nevada Commercial Auto Insurance Requirements

Requirement	Details
Freight-only liability (specified property-carrier classes)	$300,000 at 10,001–26,000 GVWR; $750,000 at 26,001–80,000 GVWR ²
Cargo liability (specified common/contract carriers)	$15,000 per vehicle / $30,000 at one time and place ²

What Should You Watch for With Commercial Auto Insurance in Nevada?

Classify the Filing Before Choosing a Limit
Nevada places fully regulated carriers and tow cars with the Authority; other common/contract and private carriers file with the Department. Identify which agency regulates your operation first, because the state law assigns them separate filing roles and amounts. ¹
Keep the Federal Floor in the Calculation
For the NAC freight-only schedule, the published amount is $300,000 at 10,001–26,000 GVWR and $750,000 at 26,001–80,000. The rule says a higher federal minimum controls, so ask the broker to test the vehicle, cargo and operation against both schedules. ²
Cargo Liability Is a Separate Filing
Nevada’s rule lists $15,000 for goods on one vehicle and $30,000 for loss at one time and place for common/contract property carriers other than fully regulated carriers. It is separate from third-party liability; confirm whether your authority class is included and whether the limits fit your shipper contracts. ²
File Vehicle Forms Before Authority Approval
The rule requires vehicle-by-vehicle Form E and applicable Form H evidence before the Department issues written approval. A filed cancellation can cancel that approval unless replacement proof arrives before the cancellation date. ²

Which Commercial Auto Insurance Providers Have Nevada License Records?

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Nevada. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹²
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁵
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Nevada?

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 888-872-3234

Surplus-Lines Tax and Stamping Office in Nevada

Reported tax rate. Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply ^6,^7,^8,⁹

When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract.

What Should You Ask Before Buying Commercial Auto Insurance in Nevada?

Which Nevada agency holds our authority, and which units need a Form E or Form H filing?
Does our weight, freight type or hazmat operation trigger a federal limit above the state schedule?
How do the statutory cargo filing limits compare with the largest load or contractual cargo obligation?

Commercial Auto Insurance in Nevada: Frequently Asked Questions

What liability limit applies to a Nevada freight carrier?

It depends on carrier class and weight. The NAC lists $300,000 for specified freight-only carriers from 10,001 to 26,000 pounds GVWR and $750,000 from 26,001 to 80,000 pounds; a higher federal minimum controls. ²

Does Nevada file cargo insurance with carrier authority?

For the common or contract property carriers covered by NAC 706.288, the rule sets separate cargo limits and requires applicable Form H proof before Department approval. Confirm whether your class is covered by that section. ²

Sources

16 documents, numbered as cited. Open the sources

Sources for Commercial Auto Insurance in Nevada

1
NRS Chapter 706, §706.291. Nevada Legislature; Subsections 1–4: Authority/Department filing roles, lesser category below 26,000 GVWR and negligent-operation responsibility. Accessed 2026-09-28.
2
NAC Chapter 706, §§706.288 and 706.294. Nevada Legislature; §706.288(1) freight schedule, (2) hazmat federal limits, (3) cargo, (4) federal override; §706.294 Form E/H and cancellation consequence; amendment history 2006. Accessed 2026-09-28.
3
Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
4
Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
5
File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
6
NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
7
NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
8
NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
9
NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
12
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
16
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Nevada?

What Is Commercial Auto Insurance?

Nevada Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Nevada?

Classify the Filing Before Choosing a Limit

Keep the Federal Floor in the Calculation

Cargo Liability Is a Separate Filing

File Vehicle Forms Before Authority Approval

Which Commercial Auto Insurance Providers Have Nevada License Records?

Corgi

TechInsurance