Prohibited provisions in policy of liability insurance relating to costs of defense, legal costs and fees and other expenses for claims; exemptions.
Nev. Rev. Stat. § 679A.210
in effect1. Notwithstanding any other provision of law, an insurer, including, without limitation, an insurer listed in NRS 679A.160 , shall not issue or renew a policy of liability insurance that contains a provision that:
(a) Reduces the limit of liability stated in the policy by the costs of defense, legal costs and fees and other expenses for claims; or
(b) Otherwise limits the availability of coverage for the costs of defense, legal costs and fees and other expenses for claims.
2. The provisions of this section do not apply to:
(a) A risk retention group, as defined in NRS 695E.110 .
(b) Captive insurance that does not cover third-party liability.
(c) A nonadmitted insurer, as defined in NRS 685A.0375 .
3. As used in this section, policy of liability insurance includes only a policy of casualty insurance that:
(a) Provides insurance against legal liability arising from the ownership or operation of a motor vehicle, as defined in NRS 485.050 ;
(b) Provides insurance against legal liability arising from the ownership of housing that is occupied by the owner as the primary residence of the owner;
(c) Is a policy of commercial general liability insurance;
(d) Is a policy of commercial automobile insurance; or
(e) Provides insurance covering the professional liability of a provider of health care, as defined in NRS 41A.017 .
Source: NV Statutes (Official Site)URL: https://www.leg.state.nv.us/nrs/NRS-679A.htmlFetched: 10/4/2026