Who Is Covered?
Virtually all employers must provide workers' compensation insurance for their employees. The term "employee" is broadly defined to include volunteer firefighters and peace officers, volunteer hospital workers, welfare recipients in education and training programs, apprentices, members of corporate boards of directors, real estate sales personnel, apprentices earning at least $150 per month, and even members of the University of Nevada athletic teams. The only statutory exceptions are:
• Casual employees who work no more than 20 days and earn no more than $500 in a quarter
• Theatrical or stage performers, performers in exhibitions, and musicians who work only irregularly and on no more than 2 consecutive days for a particular establishment
• Domestic servants
• Agricultural or horticultural laborers
• Volunteer ski patrol personnel
• Licensed, ordained clergy, or lay readers
• Real estate brokers and salespeople
Establishments that employ workers for whom coverage is not required may elect to provide coverage, but only if their employees agree to accept it. Uncompensated corporate officers may elect not to be covered. Subcontractors and their employees are considered to be employees of the principal contractor, except when the subcontractor is in a different business from the principal, the contract is for work other than construction, and there is a written agreement for the subcontractor to maintain coverage.
Leased employees. An employee-leasing company is considered the employer of its leased employees. Employee-leasing companies, including temp agencies, must demonstrate to a client employer that they have paid premiums for industrial insurance. They may not self-insure. If the leasing company fails to ...