Church Insurance in Nevada
Nevada churches range from large Las Vegas and Henderson congregations to Reno, Carson City and small rural churches. Nevada is one of the most seismically active states, northern Nevada faces wildfire, and southern Nevada’s heat is tough on roofs and air conditioning. Fast-growing ministries also bring more people, programs and vehicles to insure.
Nevada Church Coverage Options
- Church property insurance for buildings, rooftop HVAC, signs and contents.
- General liability for services, events, schools and rentals.
- Abuse and molestation coverage for kids and youth.
- D&O insurance for board decisions and employment claims.
- Church auto insurance for desert and mountain travel.
See all options on our insurance for churches page.
Nevada Earthquake, Wildfire and Heat Risks
Earthquake is excluded from standard church property policies, and Nevada has many active faults, especially around Reno and in the western part of the state. Read our guide to earthquake insurance for churches. Wildfire affects churches in the Sierra foothills and Reno-Tahoe area, and carriers may ask about defensible space. In Las Vegas, extreme heat shortens the life of roofs and HVAC systems, and monsoon storms can bring flash flooding, which is excluded unless you buy flood coverage.
Nevada Workers’ Compensation for Churches
Nevada generally requires employers with one or more employees to carry workers’ compensation, and the Division of Industrial Relations within the Department of Business and Industry oversees the system. This is general information, not legal advice.
Nevada Nonprofit Law: NRS 41.480 and 41.485
Nevada handles nonprofit liability in two pieces. NRS 41.480 states that a nonprofit organization is not immune from liability for injuries caused by its own negligence or that of its agents and employees, while generally protecting officers, directors and trustees from personal liability unless they engage in intentional misconduct, fraud or a knowing violation of the law. NRS 41.485 protects volunteers of charitable organizations for non-supervisory services, unless the act is intentional, willful, wanton or malicious, and it keeps the organization liable for its volunteers’ acts.
Because Nevada law makes clear the church is not immune, liability, abuse and D&O coverage are essential. More on our nonprofit insurance page. This is general information, not legal advice.
Working With Church Property Insurance on Your Nevada Policy
Church Property Insurance has helped congregations since 2012 and has worked with more than 500 churches nationwide. Kevin Edwards is a licensed insurance agent and an active youth pastor, so the questions we ask about your building, your ministries and your volunteers come from someone who serves in a church every week. We do not charge broker fees; we are paid by carrier commission, and any taxes or fees a state requires are shown on your quote. Turnaround depends on the carrier and on how complete your information is, so we will tell you what to expect when we start. Request a church insurance quote to begin.
Nevada Church Insurance FAQs
Is a Nevada church immune from lawsuits as a nonprofit?
No. NRS 41.480 states that nonprofit organizations are not immune from liability for negligence.
Are Nevada church board members protected?
NRS 41.480 generally protects officers, directors and trustees unless they engage in intentional misconduct, fraud or a knowing violation of the law.
Are Nevada church volunteers protected?
NRS 41.485 protects volunteers of charitable organizations for non-supervisory services unless the act is intentional, willful, wanton or malicious.
Should a Nevada church buy earthquake insurance?
Nevada is highly seismically active and standard policies exclude earthquake, so most churches should at least price it.
When does a Nevada church need workers comp?
Nevada generally requires workers compensation for employers with one or more employees.