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Nevada’s daycare insurance mandate has no dollar figure — because the state cares that you’re covered, not how much. NAC 432A.290(2) requires every licensed child care facility to hold a policy of insurance for protection against liability to third persons, furnish a certificate to the Division as proof, and use a policy whose insurer must notify the Division before cancelling. The coverage is a licence condition; the amount is your call — and your landlord’s.
One policy, priced for a Nevada daycare
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What Nevada Actually Requires
| Coverage | Nevada requirement |
|---|---|
| Liability insurance | Required — a policy protecting against liability to third persons (NAC 432A.290(2)) |
| Proof to the state | A certificate of insurance filed with the Division; the policy must require the insurer to notify the Division before cancellation or nonrenewal |
| Minimum amount | None specified — the regulation mandates the policy’s existence, not its size |
A Mandate Without a Number
Most insurance mandates argue about limits; Nevada’s argues about existence. The certificate sits in your licensing file, and the cancellation-notice clause means the Division learns your coverage lapsed before your licence does — there is no quiet gap between policies. What the regulation leaves open, the market closes: Las Vegas and Reno commercial landlords and the subsidy program’s contracts set the actual limits, typically at $1M per occurrence.
Government-operated facilities that self-insure are the one exception to the certificate requirement — an exception that describes no private daycare.
The Coverages Every Daycare Carries Regardless
- General liability with abuse & molestation coverage. The playground injury and the allegation are different claims; a daycare policy without A&M cover is missing the exposure the business is actually judged on.
- Commercial auto if you transport children — a personal policy excludes business use.
- Workers’ compensation once you employ staff (required in Nevada from the first employee, NRS 616B.612).
- Property and contents for the build-out, equipment and food stock.
Parents ask if you’re insured. So do licensors.
A certificate of insurance answers both in one page. Quotes are free and don’t require a phone call.
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Frequently Asked Questions
Is liability insurance required for a Nevada daycare?
Yes — NAC 432A.290(2) requires every licensed child care facility to maintain a policy of insurance protecting against liability to third persons, with a certificate furnished to the Division and a policy provision requiring the insurer to notify the Division before cancellation. The regulation sets no minimum dollar amount.
How much daycare liability coverage does Nevada require?
The regulation doesn’t specify an amount — it requires that a liability policy exist and stay in force. In practice, landlords, subsidy contracts and industry norms set the limits, most commonly $1 million per occurrence.
Comparing states? See daycare insurance requirements in every state, or the full guide to starting a daycare in Nevada.
Sources
| Source | What it confirms |
|---|---|
| NAC 432A.290(2) | The liability-policy requirement, certificate to the Division, cancellation-notice clause |
