Nevada regulates tow cars through the Transportation Authority: $750,000 per person / per accident / property damage under the ’Freight only’ row, plus $15,000 per vehicle / $30,000 aggregate cargo. The state sets no on-hook or garagekeepers minimum.
Law: NAC 706.191(1)(a), 706.191(3); NAC 706.1376(2)(l); NRS 485.185 · NAC 706.191(2); NAC 706.1376(2)(l) · NAC 706.193(1)(a), 706.193(3); NAC 706.191(4)
Tow cars are NTA-regulated (certificate of public convenience and necessity); NAC 706.1376(2)(l) requires tow-car applicants to secure the insurance required by NAC 706.191. The 706.191 'Freight only' row sets $750,000/$750,000/$750,000 (any may be a single combined limit) plus $15,000/$30,000 cargo. Do not confuse with NAC 706.288's GVWR-tiered $300k/$750k schedule — that governs DMV-side carriers (other than fully regulated), not tow cars. No on-hook or garagekeepers minimum anywhere in NAC Chapter 706 (confirmed absence). The $50k/$100k/$300k weight tiers, the $350,000 NTA CSL, the $50,000 garagekeepers claim, and the $1.5M SB 180 figure (2025 bill died in Assembly committee) do not appear in Nevada law and are not used. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Nevada →Independent-contractor test: Statutory control-as-to-result definition + "independent enterprise" test — NRS 616A.255 + NRS 616B.603. DIFFERENT from UI (ABC test, NRS 612.085) and from wage-and-hour law (conclusive-presumption test, NRS 608.0155). The Industrial Insurance Act "has its own test."
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.