The Nevada Casualty Producer License
Casualty is exam code 04 in Nevada and can also be reached through code 06, the combined Property and Casualty paper. It is the line that carries motor vehicle liability, general liability and workers' compensation - and in Nevada those three subjects sit in three different titles of the code, which is the first thing to know about studying for it.
Compulsory auto is in Title 43, not Title 57. NRS 485.185 is in the motor vehicle title rather than the insurance code, and a candidate searching the insurance chapters for Nevada's liability limits will not find them there. Workers' compensation is in Title 53, chapters 616A to 617. Only the coverage rules - uninsured motorist, the underinsured offer, stacking, household exclusions, medical payments - are inside Title 57, and even those are split between chapter 690B and chapter 687B.
That split is the most testable structural fact on the paper. Uninsured motorist coverage is governed by NRS 690B.020, in the casualty chapter, and it is mandatory unless rejected. Underinsured motorist coverage is governed by NRS 687B.145(2), in the general contracts chapter, and it is only offered. Most states run one rule for both. Nevada runs two, and a candidate who has merged them will answer at least one question wrong and possibly several.
The Nevada Casualty Exam
Exam code 04, 2 hours 15 minutes, $37. Two printed outlines: Casualty general knowledge at "50 scored plus 5 pretest questions" and Casualty Nevada-specific at "39 scored plus 5 pretest questions." That is 89 scored and 10 pretest, 99 items, and about 82 seconds an item.
Thirty-nine is the largest Nevada-specific outline on any single-line producer paper the state publishes - one more than Accident and Health, seven more than Property, fourteen more than Personal Lines. That is a study-planning fact rather than a difficulty rating: nearly half of what you are examined on is material no national course covers.
As everywhere on this site, the paper-level totals are sums of printed sections. The handbook carries codes, times and fees and no counts; the outlines carry counts and no times. Neither prints an exam-level total.
| Route | Code | Scored | Pretest | Time | Fee | Authority |
|---|---|---|---|---|---|---|
| Casualty alone | 04 | 89 | 10 | 2 hours 15 minutes | $37 | Casualty |
| Property alone | 03 | 82 | 10 | 2 hours | $37 | Property |
| Property and Casualty combined | 06 | 141 | 15 | 3 hours 35 minutes | $47 | Both |
The combined paper is cheaper and shorter than the two singles - $47 against $74, three hours thirty-five against four hours fifteen, 141 scored against 171 - and it produces one licence carrying both authorities. What it does not do is reduce the Nevada content much: the combined Nevada-specific outline is 41 questions against the 32 and 39 of the two singles, so the state material is compressed rather than halved.
Passing is a scaled 70 under NAC 683A.270, which also caps how long the pass lasts: the examination "must have been successfully completed within 1 year immediately preceding the date of application for the license."
Most Tested Topics on the Nevada Casualty Exam
Thirty-nine of the eighty-nine scored questions are Nevada's own, drawn from three titles of the code. The rows below are where Nevada's answer diverges from the national one.
| Concept | The Nevada rule | Where it lives |
|---|---|---|
| Compulsory liability, and its operator | 25/50/20 - and the statute says "In the amount of $25,000," "in the amount of $50,000" subject to the per-person limit, and "In the amount of $20,000." Flat figures, NOT "not less than" | 485.185(1)(a)-(c) |
| Who is outside the mandate | A moped. "The provisions of this section do not apply to a moped" | 485.185(2) |
| Uninsured motorist | MANDATORY unless rejected. The section is a delivery prohibition: no policy "may be delivered or issued for delivery in this State unless coverage is provided" | 690B.020(1) |
| How a rejection works, and how long it lasts | In writing, "on a form furnished by the insurer describing the coverage being rejected," by a named insured - and it carries forward "upon any renewal ... unless the coverage is then requested in writing by the named insured" | 690B.020(1) |
| How much UM must be provided | "Not less than the minimum limits for liability insurance for bodily injury" - here the operator IS a floor, unlike the compulsory limits themselves | 690B.020(2) |
| Underinsured motorist | OFFER-ONLY, and in a different chapter: insurers "must offer, on a form approved by the Commissioner" the coverage at the insured's bodily injury limits | 687B.145(2) |
| Does the UIM offer have to be repeated? | Not on a replacement, reinstatement, substitute or amended policy - but "each renewal must include a copy of the form offering such coverage" | 687B.145(2) |
| The underinsured TRIGGER | Damages, not a limits comparison: recovery to the insured's own limits for damages "to the extent that those damages exceed the limits of the coverage for bodily injury carried by that owner or operator" | 687B.145(2) |
| What paying UIM costs the insurer | Its subrogation. An insurer paying underinsured benefits "is not entitled to subrogation against the underinsured motorist" | 687B.145(4) |
| Stacking | Anti-stacking clauses are PERMITTED and conditionally void - void "if the named insured has purchased separate coverage on the same risk and has paid a premium calculated for full reimbursement" | 687B.145(1) |
| Household and named-insured exclusions | Permitted, on a Commissioner-approved form "printed in at least 12-point type" with names "handwritten by the insured and followed by the full signature of the insured," revocable in writing, re-disclosed at renewal | 687B.147 |
| PIP and medical payments | No PIP statute. A mandatory OFFER of "at least $1,000" in medical payments coverage - a floor on the offer | 687B.145(3) |
| The negligence bar | 51 percent. Recovery survives "if that negligence was not greater than" the defendants' - so exactly 50 percent still recovers - and the comparison is against "the combined negligence of multiple defendants" | 41.141(1), (2)(a) |
| Alternative to buying a policy | One, and it is narrow: a certificate of self-insurance for a person with "more than 10 motor vehicles" registered in Nevada. No bond or deposit substitutes for the day-one mandate | 485.380(1) |
| Comp: from which employee | The first. "Every employer" must provide and secure compensation, and no numerical threshold appears anywhere | 616B.612(1) |
| Comp waiting period | 5 days, satisfied EITHER by "5 consecutive days" OR "5 cumulative days within a 20-day period" - and once met, compensation "must then be computed from the date of the injury" | 616C.400(1) |
| Comp wage replacement, and where the cap is | 66 2/3 percent of the average monthly wage - and the cap is inside the DEFINITION of that wage: the lesser of actual wage or "one hundred fifty percent of the state average weekly wage ... multiplied by 4.33" | 616C.475(1); 616A.065(1) |
| Comp permanent partial | 0.6 percent of the average monthly wage per 1 percent of whole-person impairment, paid "for 5 years or until the claimant is 70 years of age, whichever is LATER" | 616C.490(8)(d) |
| Comp claim clocks | Three: written notice to the EMPLOYER "within 7 days after the accident"; claim to the INSURER within 90 days; a dependant's death claim within 1 year | 616C.015(1); 616C.020(1), (2) |
| Is there a state comp fund? | NO. "Insurer" is defined exhaustively as a self-insured employer, an association of self-insured public employers, an association of self-insured private employers, or a private carrier | 616A.270 |
The UM and UIM rows are the ones to get exactly right, because the two rules are opposites and they are one row apart in most study material. UM is written as a prohibition on the insurer - the policy may not be delivered without it - and the escape is a written rejection on the insurer's own coverage-describing form, which then persists through every renewal until the named insured asks for the coverage back in writing. UIM is written as a duty to offer, in a different chapter, and the offer form must accompany every renewal. So a Nevada insured who did nothing has UM and does not have UIM; a Nevada insured who rejected UM once has neither, permanently, until they write in.
The workers' compensation rows reward reading past the section that seems to answer the question. The wage-replacement rate is 66 2/3 percent and it is in NRS 616C.475(1), which contains no cap at all - the cap is in NRS 616A.065(1), inside the definition of "average monthly wage," and it is expressed in an odd unit: 150 percent of the state average WEEKLY wage, multiplied by 4.33. Likewise the waiting period is not in the benefit section; it is in NRS 616C.400, and its two alternative tests and its retroactivity to the date of injury are all in one sentence.
Nevada Fingerprints and the Background Check
Nevada's fingerprint step runs in an order most candidates guess wrong, and guessing wrong wastes a trip. You cannot be printed before you apply. The Division states the reason rather than just the rule: "FBI regulations do not allow fingerprinting until after you have submitted a license application." So the sequence is pass the exam, file the application, then get printed - and the handbook allows "within 90 days of applying" to do it.
There is no universal service code, and that is the practical reason the order cannot be reversed. In many states a candidate looks up an ORI or a service code and books an appointment whenever they like. Nevada issues a Fingerprint Authorization Form per applicant, and the Division is explicit that "you will only be given access to this form AFTER submitting your license application." What the form does is route the check: "you will indicate on the form which license type you are applying for, and this tells the fingerprint vendor which NRS code to use." Without it the vendor does not know which check to run.
The form also has to carry your transaction identifier. It must show either a Sircon Confirmation ID or a NIPR Transaction Number - whichever portal you filed through - which is how the Division ties the prints to the application. Turning up with a blank or generic form is the same as turning up without one.
Step by step, in the order Nevada actually runs it:
1. Pass the exam for the lines you want. NAC 683A.270 gives you one year from the pass to apply.
2. File the application through Sircon, or through NIPR for $5.50 more. Pay the $185.
3. Obtain the Fingerprint Authorization Form from the confirmation, bearing your Sircon Confirmation ID or NIPR Transaction Number.
4. Choose an approved vendor from the Division's list, last updated 5/15/26. It runs to roughly thirty operators covering Las Vegas, Henderson, Boulder City, North Las Vegas, Reno, Sparks, Elko and Ely, plus mobile-only providers who will come to you.
5. Get printed, taking the authorization form with you. Prints are processed by the Nevada Central Repository and the FBI.
6. Upload the supporting documents with the application, which the handbook lists as "your signed Fingerprint Background Waiver Form; the receipt for your fingerprints; and any other required supporting documentation."
What it costs is deliberately not published by the Division, and that is worth knowing rather than resenting. Live-scan pricing is set by each vendor, so the thirty-odd operators on the list do not charge the same and the Division does not attempt to average them. Ring two. The one price the Division does publish is the fallback for a candidate who cannot use live-scan: on the hard-card route "you must include a cashier's check or money order (no personal checks) made payable to the Department of Public Safety for $39."
The expensive mistake on this page is not a fee - it is a non-disclosure. The application asks background questions and the fingerprint check answers them independently. If the report surfaces something the application did not, the Division requires a further $185 application fee and gives no refunds. That is more than the licence itself. And the disciplinary grounds behind it are wide: NRS 683A.451 reaches conviction of "a felony or a crime involving theft, fraud, dishonesty or moral turpitude," and separately reaches fraudulent, coercive or dishonest practices "in this State or elsewhere" and discipline by any other state, territory or province. Disclose and explain; do not calculate.
One documentary conflict to be aware of, stated rather than resolved. The Division's producer page says "Effective August 1, 2025: all applicants requiring fingerprints must bring the Fingerprint Authorization Form to an approved fingerprint vendor." NIPR's Nevada page says that "effective January 26, 2026," resident individual applicants must submit fingerprints using the current form bearing a Sircon Confirmation ID or NIPR Transaction Number. They read as two successive tightenings of the same rule - bring the form, then the form must carry the identifier - but no single document reconciles them, so treat the stricter version as current and carry a form with your transaction number on it.
Language versions of the waiver form are not all current, which matters if you are using one. The Division serves the English Fingerprint Background Waiver from a file dated 5/13/25, but the Tagalog and Traditional Chinese versions come from an undated file and the Spanish link points at the English document. Use the English 5/13/25 version as the reference text.
Nevada Casualty License Fees
$37 for code 04 and $185 for the licence - $125 under NRS 680B.010(5) plus $60 under NRS 680C.110(4)(d). Adding property authority later costs $37 for code 03 plus $50 to add the line; sitting the combined code 06 paper at the outset costs $47 and covers both on one application.
The fingerprint check is the open figure. Vendor pricing is unpublished and varies; the hard-card route costs $39 to the Department of Public Safety. Neither is payable to the Division.
Fees that fall on someone else. Appointments cost $15 per insurer, the insurer files them, and the insurer pays: the Division's 4/18/25 FAQ says "the $15 fee is paid for by the insurance company." The same answer settles the $50 association fee the other way - it "is paid for by the firm or the individual." Continuing education reporting costs $1 per hour per student and is charged to the education provider, not to you.
And one fee that is a penalty rather than a price: the further $185 for a non-disclosure discovered by the background check, with no refunds.
Nevada Casualty License Eligibility
Four findings at NRS 683A.251(1): 18 years old; no act that is a ground for refusal, suspension or revocation; all applicable fees paid, "which may not be refunded"; and the examinations passed for the lines applied for unless exempt.
Subsection (3) of the same section is where the fingerprints come from, which is worth knowing because it explains why the requirement cannot be waived by a producer who was printed for another Nevada licence. The requirement attaches to the application, and the authorization form is issued against that application's transaction number.
The grounds that paragraph (b) points at are the fourteen numbered causes at NRS 683A.451 - numbered, not lettered, so the pin cite is 683A.451(6) rather than 683A.451(1)(f). Several reach outside Nevada: ground 2 covers violating "a regulation, order or subpoena of the Commissioner or an equivalent officer of another state"; ground 8 reaches dishonest practices or demonstrated untrustworthiness "in this State or elsewhere"; ground 9 reaches discipline in "any other state, territory or province." A candidate with history elsewhere is inside Nevada's grounds, not outside them.
The chapeau caps the sanction. Suspension is "for not more than 12 months," and the Commissioner "may" act rather than must - probation, suspension, revocation, refusal to renew, an administrative fine, or "any combination of the foregoing actions."
Nevada Casualty Continuing Education
Important CE details: Nevada's continuing education is thirty hours in the three years before renewal with three in ethics, and what a casualty producer should understand about it is the reporting mechanism, because it decides the real deadline. The licensee does not report. Approved education providers submit credit data to the Division through Sircon "as soon as possible upon completion of the course," and are charged $1 per hour per student for doing it - which is why the Division tells licensees to check their transcript on Sircon rather than to send anything in. Keep your certificate anyway - the Division's renewals page says "licensees must maintain a copy of the certificate of completion for each course" - but understand that it is your record rather than the thing that creates the credit. The practical consequence is that a course finished in the last days before expiry may not be credited in time, because the compliance date is the upload rather than the class. The Property and Casualty guide owns the renewal calendar and the late-renewal penalties that follow from missing it.
Thirty hours in the three-year period before renewal, three in ethics, under NAC 683A.330, with the balance relating to the lines of authority held. Adding lines does not raise the total.
Where a casualty producer should look for approved subject matter is broader than it first appears, because the lines of authority a Nevada licence can carry run from "(a) Life insurance on human lives" through "(l) Personal property storage insurance ... as a limited line" at NRS 683A.261, with crop at (k). Twenty-seven non-ethics hours across a single casualty authority is a lot of casualty; a producer holding two or three lines has more room to spread them.
The reporting mechanism decides the real deadline. Providers upload to Sircon; the Division will not take a certificate from a licensee; and the Division's own guidance ties renewal eligibility to the upload rather than to the class. Finish early enough for the provider to file.
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