reglab/statecodes huggingface dataset:
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.143 - Payment of child support: Statement by applicant for license; grounds for denial of license or renewal; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. A natural person who applies for the issuance or renewal of a license as an adjuster shall submit to the Commissioner the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520. The statement must be completed and signed by the applicant.
2. The Commissioner shall include the statement required pursuant to subsection 1 in:
(a) The application or any other forms that must be submitted for the issuance or renewal of the license as an adjuster; or
(b) A separate form prescribed by the Commissioner.
3. A license as an adjuster may not be issued or renewed by the Commissioner if the applicant is a natural person who:
(a) Fails to submit the statement required pursuant to subsection 1; or
(b) Indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.
4. If an applicant indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the Commissioner shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.
(Added to NRS by 1997, 2190; A 1999, 520; 2011, 3365; 2019, 3037)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.147 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. If the Commissioner receives a copy of a court order issued pursuant to NRS 425.540 that provides for the suspension of all professional, occupational and recreational licenses, certificates and permits issued to a person who is the holder of a license as an adjuster, the Commissioner shall deem the license issued to that person to be suspended at the end of the 30th day after the date on which the court order was issued unless the Commissioner receives a letter issued to the holder of the license by the district attorney or other public agency pursuant to NRS 425.550 stating that the holder of the license has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
2. The Commissioner shall reinstate a license as an adjuster that has been suspended by a district court pursuant to NRS 425.540 if the Commissioner receives a letter issued by the district attorney or other public agency pursuant to NRS 425.550 to the person whose license was suspended stating that the person whose license was suspended has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
(Added to NRS by 1997, 2191; A 1999, 520; 2011, 3366; 2019, 3037)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.150 - Temporary license as independent adjuster.

1. In the event of death or inability to act as a licensed independent adjuster, the Commissioner may issue a temporary license as an independent adjuster to another individual qualified therefor except as to the taking and passing of the required examination, to enable such individual to continue the business of the deceased licensee or the licensee who has a disability.
2. The temporary license shall be valid for 6 months, or until the temporary licensee earlier qualifies for a regular license as an independent adjuster.
3. A temporary license issued pursuant to this section may be renewed for one additional period of 180 days if:
(a) The temporary licensee, on or before a date specified by the Commissioner as the last day on which the temporary license is renewable, submits to the Commissioner a written request which includes, without limitation, sufficient justification for the renewal; and
(b) The Commissioner approves the request.
(Added to NRS by 1971, 1666; A 2023, 2634)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.165 - Standards of conduct.

1. An adjuster shall be honest and fair in all communications with the insured, the insurer and the public.
2. An adjuster shall give policyholders and claimants prompt, knowledgeable service and courteous, fair and objective treatment at all times.
3. An adjuster shall not give legal advice and shall not deal directly with any policyholder or claimant who is represented by legal counsel without the consent of the legal counsel involved.
4. An adjuster shall comply with all local, state and federal privacy and information security laws, if applicable.
5. An adjuster shall identify himself or herself as an adjuster and, if applicable, identify his or her employer when dealing with any policyholder or claimant.
6. An adjuster shall not have any financial interest in any adjustment or acquire for himself or herself or any person any interest or title in salvage without first receiving written authority from the principal.
(Added to NRS by 2017, 166)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.170 - Place of business; display of license.

1. Every adjuster who is a resident of this State shall have and maintain in this state a place of business accessible to the public and from which the licensee principally conducts transactions under his or her license. The address of such place shall appear upon the application for a license and upon the license, when issued, and the licensee shall promptly notify the Commissioner in writing of any change thereof. Nothing in this section shall prohibit the maintenance of such place in the licensee’s residence in this state.
2. The license of the licensee shall be conspicuously displayed in such place of business in a part thereof customarily open to the public.
(Added to NRS by 1971, 1666; A 2019, 1699, 3038)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.180 - Records.

1. Each adjuster shall keep at his or her business address shown on the adjuster’s license a record of all transactions under the license.
2. The record shall include:
(a) A copy of each contract between an independent adjuster and an insurer or self-insurer.
(b) A copy of all investigations or adjustments undertaken.
(c) A statement of any fee, commission or other compensation received or to be received by the adjuster on account of such investigation or adjustment.
3. The adjuster shall make such records available for examination by the Commissioner at all times, and shall retain the records for at least 3 years after the closure of the claim to which the records apply.
4. An independent adjuster shall comply with any record retention policy agreed to in a contract between the independent adjuster and an insurer or self-insurer to the extent that such a policy imposes a requirement to retain records for a longer period than the period required by this section.
(Added to NRS by 1971, 1667; A 2017, 174; 2019, 1699)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.200 - Nonresident licensees: Service of process; agreement to appear.

Nonresidents of this state who are granted licenses as adjusters pursuant to NRS 684A.070 are also subject to NRS 683A.281.
(Added to NRS by 1971, 1667; A 2001, 2212; 2011, 3366)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.210 - Suspension, revocation or limitation of or refusal to continue license: Grounds.

1. The Commissioner may suspend, revoke, limit or refuse to continue any adjuster’s license:
(a) For any cause specified in any other provision of this chapter;
(b) For any applicable cause for revocation of the license of a producer of insurance under NRS 683A.451; or
(c) If the licensee has for compensation represented or attempted to represent both the insurer and the insured in the same transaction.
2. The license of a business entity may be suspended, revoked, limited or continuation refused for any cause which relates to any individual designated with respect to the license to exercise its powers.
(Added to NRS by 1971, 1667; A 2001, 2212; 2017, 175; 2019, 1700, 3038)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.220 - Suspension, revocation or limitation of or refusal to continue license: Applicable provisions.

NRS 683A.451 and 683A.461 also apply to suspension, revocation, limitation or refusal to continue adjusters’ licenses, except where in conflict with the express provisions of this chapter.
(Added to NRS by 1971, 1667; A 2001, 2212; 2019, 1700, 3038)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.240 - Administrative fine: Levy in addition to or in lieu of suspension, revocation or refusal to renew license; revocation of license for nonpayment; recovery; deposit.

1. In addition to or in lieu of the suspension, revocation or refusal to renew any adjuster’s license for any of the causes referred to in NRS 684A.210, after hearing thereon or upon waiver of hearing by the licensee, the Commissioner may levy upon the licensee an administrative fine in any amount not less than $25 nor more than $500.
2. In his or her order levying the fine the Commissioner shall specify a period of not less than 15 days nor more than 30 days after the date of the order within which the fine must be paid in full.
3. If the fine is not paid when due, the Commissioner shall revoke the license involved, if not already revoked, and the fine must be recovered in a civil action brought by the Attorney General in the Commissioner’s behalf.
4. All fines recovered pursuant to this section must be deposited with the State Treasurer for credit to the State General Fund.
(Added to NRS by 1971, 1668; A 1983, 1545; 1993, 1916, 2389; 1995, 579)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.250 - Court authorized to impose fine in lieu of Commissioner’s order suspending, revoking or refusing to continue license; exception.

1. Upon the hearing of an appeal from the Commissioner’s order suspending, revoking or refusing to continue any license issued under the provisions of this chapter, the court, if it finds that the licensee is guilty of a violation of the law, and if it deems the suspension, revocation or refusal too severe a penalty under the facts as found, may impose a fine of not more than $500 in lieu thereof. Payment of the fine within 10 days thereafter shall reinstate, restore or continue the license.
2. If it appears that a license of the licensee has theretofore been suspended, revoked or refused for a similar offense, the court shall not have jurisdiction to impose a fine in lieu of the action required by the order appealed from.
(Added to NRS by 1971, 1668)
2023 Nevada Revised Statutes › Chapter 684A - Adjusters › NRS 684A.260 - Reinstatement of license; relicensing; limitations.

The Commissioner shall not reinstate the adjuster’s license of or relicense any licensee or former licensee whose license has been suspended or revoked until any cause for such suspension or revocation, not being a cause continuing in character, arising after issuance of the license no longer exists, or until any fine theretofore levied on the licensee under NRS 684A.240 or 684A.250 has been fully paid.
(Added to NRS by 1971, 1668)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.010 - "Motor vehicle physical damage appraiser" defined.

As used in this Code "motor vehicle physical damage appraiser" means any person, partnership, association or corporation who, for a separate fee, practices as a business the appraising of damages to motor vehicles insured under automobile physical damage policies or on behalf of third-party claimants.
(Added to NRS by 1971, 1669)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.020 - License required; automatic qualification of certain appraisers; exemptions; administrative fine.

1. No person may act as a motor vehicle physical damage appraiser for motor vehicle physical damage claims on behalf of any insurance company or business organization engaged in the adjustment or appraisal of motor vehicle claims unless the person has:
(a) Secured a license from the Commissioner.
(b) Paid all applicable license fees.
2. Any person who has been engaged in the business as a motor vehicle physical damage appraiser for a period of 2 consecutive years immediately before January 1, 1972, is entitled to a license upon application to the Commissioner without further qualification.
3. The provisions of this section do not apply to:
(a) A licensed insurance adjuster.
(b) An employee of any authorized insurer, motor club, motor vehicle dealer or automobile body repair shop.
4. A person who acts as a motor vehicle physical damage appraiser in this state without a license, unless exempt under subsection 3, is subject to an administrative fine of not more than $1,000 for each violation.
(Added to NRS by 1971, 1669; A 2001, 2212; 2009, 1779)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.030 - Bond: Requirement; amount; replacement.

1. Before the issuance of a motor vehicle physical damage appraiser’s license the applicant shall file with the Commissioner, and thereafter maintain in force while so licensed, a surety bond which complies with NRS 679B.175 and is in an amount determined by the Commissioner.
2. A replacement bond must meet all requirements for the initial bond.
(Added to NRS by 1971, 1669; A 2017, 2339; 2021, 2967)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.060 - Issuance of license; notice of refusal to issue license; license fees nonrefundable.

1. If the Commissioner finds that the application is complete and the applicant is otherwise eligible and qualified for the license as a motor vehicle physical damage appraiser, the Commissioner shall promptly issue the license. If the Commissioner refuses to issue the license the Commissioner shall promptly notify the applicant in writing of the refusal, stating the grounds for the refusal.
2. All fees paid by the applicant with the application for a license are nonrefundable.
(Added to NRS by 1971, 1670; A 1987, 152; 2009, 1780; 2021, 2967)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.070 - Form and contents of license.

The Commissioner shall prescribe the form of the motor vehicle physical damage appraiser license, which must state:
1. The licensee’s name and business address;
2. The date of issuance and the general conditions as to expiration and termination of the license;
3. That the bond required by NRS 684B.030 has been filed; and
4. Such other conditions as the Commissioner deems proper.
(Added to NRS by 1971, 1670; A 1987, 153)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.083 - Payment of child support: Statement of applicant for license; grounds for denial of license; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. A natural person who applies for the issuance or renewal of a license as a motor vehicle physical damage appraiser shall submit to the Commissioner the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520. The statement must be completed and signed by the applicant.
2. The Commissioner shall include the statement required pursuant to subsection 1 in:
(a) The application or any other forms that must be submitted for the issuance or renewal of the license; or
(b) A separate form prescribed by the Commissioner.
3. A license as a motor vehicle physical damage appraiser may not be issued or renewed by the Commissioner if the applicant is a natural person who:
(a) Fails to submit the statement required pursuant to subsection 1; or
(b) Indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.
4. If an applicant indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the Commissioner shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.
(Added to NRS by 1997, 2192)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.087 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. If the Commissioner receives a copy of a court order issued pursuant to NRS 425.540 that provides for the suspension of all professional, occupational and recreational licenses, certificates and permits issued to a person who is the holder of a license as a motor vehicle physical damage appraiser, the Commissioner shall deem the license issued to that person to be suspended at the end of the 30th day after the date on which the court order was issued unless the Commissioner receives a letter issued to the holder of the license by the district attorney or other public agency pursuant to NRS 425.550 stating that the holder of the license has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
2. The Commissioner shall reinstate a license as a motor vehicle physical damage appraiser that has been suspended by a district court pursuant to NRS 425.540 if the Commissioner receives a letter issued by the district attorney or other public agency pursuant to NRS 425.550 to the person whose license was suspended stating that the person whose license was suspended has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
(Added to NRS by 1997, 2193)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.090 - Place of business; display of license.

1. Every motor vehicle physical damage appraiser shall have and maintain in this state a place of business accessible to the public and from which the licensee principally conducts transactions under his or her license. The address of such place shall appear upon the application for a license and upon the license, when issued, and the licensee shall promptly notify the Commissioner in writing of any change thereof. Nothing in this section shall prohibit the maintenance of such place in the licensee’s residence in this state.
2. The license of the licensee shall be conspicuously displayed in such place of business in a part thereof customarily open to the public.
(Added to NRS by 1971, 1671)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.100 - Records.

1. Each motor vehicle physical damage appraiser shall keep at the business address shown on his or her license a record of all transactions under the license.
2. The record shall include:
(a) A copy of all appraisals undertaken.
(b) A statement of any fee, commission or other compensation received or to be received by the appraiser on account of such appraisal.
3. The appraiser shall make such records available for examination by the Commissioner at all times, and shall retain the records for at least 3 years.
(Added to NRS by 1971, 1671)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.110 - Suspension, revocation or limitation of or refusal to continue license: Grounds.

1. The Commissioner may suspend, revoke, limit or refuse to continue any motor vehicle physical damage appraiser’s license:
(a) For any cause specified in any other provision of this chapter;
(b) For any such applicable cause as for revocation of the license of a producer of insurance under NRS 683A.451; or
(c) If the licensee has for compensation represented or attempted to represent both the insurer and the insured in the same transaction.
2. The license of a business organization may be suspended, revoked, limited or continuation refused for any cause which relates to any individual designated in or with respect to the license to exercise its powers.
(Added to NRS by 1971, 1671; A 2001, 2213; 2019, 1700)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.120 - Suspension, revocation or limitation of or refusal to continue license: Applicable provisions.

NRS 683A.451 and 683A.461 also apply to suspension, revocation, limitation or refusal to continue motor vehicle physical damage appraiser’s licenses, except where in conflict with the express provisions of this chapter.
(Added to NRS by 1971, 1672; A 2001, 2214; 2019, 1700)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.140 - Administrative fine: Levy in addition to or in lieu of suspension, revocation or refusal to renew license; revocation of license for nonpayment; recovery; deposit.

1. In addition to or in lieu of the suspension, revocation or refusal to renew any motor vehicle physical damage appraiser’s license for any of the causes referred to in NRS 684B.110 (suspension, limitation, revocation of license: Grounds), after hearing thereon or upon waiver of hearing by the licensee, the Commissioner may levy upon the licensee an administrative fine in any amount not less than $25 nor more than $250.
2. In his or her order levying the fine the Commissioner shall specify a period of not less than 15 days nor more than 30 days from the date of the order within which the fine shall be paid in full.
3. If the fine is not paid when due, the Commissioner shall revoke the license involved, if not already revoked, and the fine shall be recovered in a civil action brought by the Attorney General in the Commissioner’s behalf.
4. The Commissioner shall deposit any fine collected by the Commissioner hereunder with the State Treasurer for credit to the General Fund.
(Added to NRS by 1971, 1672)
2023 Nevada Revised Statutes › Chapter 684B - Appraisers of Physical Damage to Motor Vehicles › NRS 684B.150 - Court authorized to impose fine in lieu of Commissioner’s order suspending, revoking or refusing to renew license; exception.

1. Upon the hearing of an appeal from the Commissioner’s order suspending, revoking or refusing to continue any license issued under the provisions of this chapter, the court, if it finds that the licensee is guilty of a violation of the law, and if it deems the suspension, revocation or refusal too severe a penalty under the facts as found, may impose a fine of not more than $500 in lieu thereof. Payment of the fine within 10 days thereafter shall reinstate, restore or continue the license.
2. If it appears that a license of the licensee has theretofore been suspended, revoked or refused for a similar offense, the court shall not have jurisdiction to impose a fine in lieu of the action required by the order appealed from.
(Added to NRS by 1971, 1672)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.020 - Exemptions.

The Nonadmitted Insurance Law shall not apply to reinsurance, or to the following insurances when placed by general lines agents or general lines brokers or surplus lines brokers licensed as such by this state or when procured directly by an insured from a nonadmitted insurer:
1. Wet marine and transportation insurance;
2. Insurance of subjects located, resident or to be performed wholly outside of this state, or on vehicles or aircraft owned and principally garaged outside this state;
3. Insurance of property and operations of railroads engaged in interstate commerce;
4. Insurance of aircraft of common carriers, or cargo of such aircraft, or against liability, other than employer’s liability, arising out of the ownership, maintenance or use of such aircraft; or
5. Insurance of automobile bodily injury and property damage liability risks when written in Mexican insurers and covering in Mexico and not in the United States of America.
(Added to NRS by 1971, 1673; A 2011, 2012)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.030 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 685A.031 to 685A.039, inclusive, have the meanings ascribed to them in those sections.
(Added to NRS by 1971, 1673; A 2011, 2012; 2019, 1701)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.032 - "Exempt commercial purchaser" defined.

1. "Exempt commercial purchaser" means any person or political subdivision of this State purchasing commercial insurance:
(a) Who, at the time of placement, employs or retains a qualified risk manager to negotiate insurance coverage;
(b) Who, at the time of placement, has paid aggregate nationwide commercial property and casualty insurance premiums of more than $100,000 in the immediately preceding 12 months; and
(c) Who, at the time of placement, satisfies one of the following conditions:
(1) Possesses a net worth of more than $20,000,000;
(2) Generates annual revenues of more than $50,000,000;
(3) Employs more than 500 full-time or full-time equivalent employees or is a member of an affiliated group that employs more than 1,000 employees in the aggregate;
(4) Is a nonprofit organization or public entity that generates annual budgeted expenditures of $30,000,000 or more; or
(5) Is a city whose population is 25,000 or more or a county whose population is 20,000 or more.
2. The amounts set forth in subparagraphs (1), (2) and (4) of paragraph (c) of subsection 1 must be adjusted on or before January 1, 2015, and every 5 years thereafter to reflect inflation, as measured by the average percentage of increase or decrease in the Consumer Price Index for All Urban Consumers of the United States Department of Labor, Bureau of Labor Statistics for the preceding 5 years. The Commissioner shall determine the amount of the increase or decrease required by this subsection and establish the adjusted amounts to take effect on January 1 of that year.
(Added to NRS by 2011, 2010)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.034 - "Home state" defined.

"Home state" means:
1. For an insured:
(a) The state in which the insured maintains its principal place of business or, in the case of an individual, the individual’s principal residence; or
(b) If 100 percent of the insured risk is located outside of the state determined pursuant to paragraph (a), the state to which the greatest percentage of the insured’s taxable premium for that insurance contract is allocated.
2. If more than one insured from an affiliated group is a named insured on a single nonadmitted insurance contract, the state determined pursuant to paragraph (a) of subsection 1 for the member of the affiliated group that has the largest percentage of premium attributed to it under the nonadmitted insurance contract.
3. For a policy of group insurance:
(a) If the group policyholder pays 100 percent of the premium from its own funds, the state determined pursuant to paragraph (a) of subsection 1 for the group policyholder.
(b) If the group policyholder does not pay 100 percent of the premium from its own funds, the state determined pursuant to paragraph (a) of subsection 1 for the group member.
(Added to NRS by 2011, 2010)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.037 - "Nonadmitted insurance" defined.

"Nonadmitted insurance" means any property and casualty insurance permitted to be placed directly or through a broker with a nonadmitted insurer eligible to accept such insurance. The term includes both independently procured insurance and surplus lines insurance.
(Added to NRS by 2011, 2011)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.0375 - "Nonadmitted insurer" defined.

1. "Nonadmitted insurer" means an insurer not authorized to engage in the business of insurance in this State.
2. The term includes a domestic surplus lines insurer.
3. The term does not include a risk retention group as that term is defined in 15 U.S.C. § 3901(a)(4).
(Added to NRS by 2011, 2011; A 2019, 1701)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.038 - "Principal place of business" defined.

"Principal place of business" means, for the purpose of determining the home state of the insured:
1. The state where the insured maintains its headquarters and where the insured’s high-level officers direct, control and coordinate its business activities;
2. If the insured’s high-level officers direct, control and coordinate its business activities in more than one state, the state in which the greatest percentage of the insured’s taxable premium for that insurance contract is allocated; or
3. If the insured’s high-level officers direct, control and coordinate its business activities outside of any state, the state to which the greatest percentage of the insured’s taxable premium for that insurance contract is allocated.
(Added to NRS by 2011, 2011)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.0385 - "Principal residence" defined.

"Principal residence" means, for the purpose of determining the home state of the insured:
1. The state where the insured resides for the greatest number of days during a calendar year; or
2. If the insured’s principal residence is located outside of any state, the state to which the greatest percentage of the insured’s taxable premium for that insurance contract is allocated.
(Added to NRS by 2011, 2011)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.040 - Conditions for export.

If this State is the insured’s home state and certain insurance coverages cannot be procured from authorized insurers, such coverages, designated in this chapter as nonadmitted insurance, may be procured from unauthorized insurers, subject to the following conditions:
1. The insurance must be procured through a broker licensed as such under this chapter or procured by an insured directly from a nonadmitted insurer as permitted by law.
2. Except as otherwise provided in subsection 5, the full amount of insurance required must not be procurable from an insurer authorized to engage in the business of insurance in this State, after diligent effort has been made to do so.
3. The insurance must not be so exported for the purpose of procuring it at a premium rate lower than would be accepted by any authorized insurer; difference in rates alone will not support the export of the insurance if any authorized insurer is able and willing to carry the risk.
4. Differences, bearing directly upon the cost of insurance, in the terms of policies which otherwise provide substantially the same coverage will not support the export of the insurance.
5. A broker is not required to make a diligent effort to determine whether the full amount or type of insurance can be obtained from admitted insurers when the broker is seeking to procure or place nonadmitted insurance for an exempt commercial purchaser if:
(a) The broker procuring or placing the nonadmitted insurance has disclosed to the exempt commercial purchaser that such insurance may or may not be available from the admitted market that may provide greater protection with more regulatory oversight; and
(b) The exempt commercial purchaser has subsequently requested in writing for the broker to procure or place such insurance from a nonadmitted insurer.
(Added to NRS by 1971, 1673; A 1971, 1939; 2011, 2013)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.050 - Broker’s report.

1. At the time of effecting any surplus lines insurance for which this State is the home state, the broker shall, within 90 days after such insurance is so effected, submit a report, in the form prescribed or accepted by the Commissioner, setting forth facts from which it can be determined whether such insurance is eligible for export under NRS 685A.040.
2. The broker shall keep in his or her office the report prepared pursuant to subsection 1 along with the report of coverage and any other information the Commissioner requires.
3. The report prepared pursuant to subsection 1 must not be removed from the office of the broker and must be open to examination by the Commissioner or a representative of the Commissioner at all times within 5 years after issuance of the coverage to which it relates.
(Added to NRS by 1971, 1674; A 1987, 1149; 2011, 2013)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.060 - Open lines for export.

1. The Commissioner may by order declare eligible for export generally and without compliance with subsections 2, 3 and 4 of NRS 685A.040 and NRS 685A.050, any class or classes of insurance coverage or risk for which the Commissioner finds that there is not a reasonable or adequate market among authorized insurers either as to acceptance of the risk, contract terms, or premium or premium rate. Any such order shall continue in effect during the existence of the conditions upon which predicated, but subject to earlier termination by the Commissioner.
2. For surplus lines insurance, the broker shall file with or as directed by the Commissioner a memorandum as to each such coverage placed by the broker in an unauthorized insurer, in such form and context as the Commissioner may reasonably require for the identification of the coverage and determination of the tax payable to the State relative thereto.
3. The broker, or a licensed Nevada agent of the authorized insurer or a general lines broker, may also place with authorized insurers any insurance coverage made eligible for export generally under subsection 1, and without regard to rate or form filings which may otherwise be applicable to the authorized insurer. As to coverages so placed in an authorized insurer the premium tax thereon shall be reported and paid by the insurer as required generally under chapter 680B of NRS.
(Added to NRS by 1971, 1674; A 2011, 2013)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.072 - Domestic surplus lines insurer: Designation; authority; requirements for broker who places surplus lines insurance with insurer; applicability of other provisions.

1. An insurer which is domiciled in this State may be designated as a domestic surplus lines insurer by the Commissioner if:
(a) The insurer possesses capital and surplus of not less than $15,000,000; or
(b) The Commissioner makes an affirmative finding of acceptability pursuant to subsection 3 of NRS 685A.070.
2. A designation by the Commissioner of an insurer as a domestic surplus lines insurer must be in writing.
3. A domestic surplus lines insurer may accept surplus lines insurance in any jurisdiction in which it is eligible.
4. A broker who places surplus lines insurance with a domestic surplus lines insurer shall comply with:
(a) The provisions of NRS 685A.175 and 685A.180; and
(b) All other provisions of this chapter which apply to the export of nonadmitted insurance for an insured for which this State is the home state.
5. Except as otherwise provided by specific statute, the provisions of this Code regarding financial and solvency requirements apply to a domestic surplus lines insurer.
6. The provisions of chapter 686C and 687A of NRS do not apply to a domestic surplus lines insurer.
(Added to NRS by 2019, 1700)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.077 - Immunity from civil liability given to Commissioner, Division and nonprofit organizations for certain acts; Commissioner authorized to classify certain communications as confidential; limitations.

1. The Commissioner, the Division and employees of the Division, and any nonprofit organization of surplus lines brokers formed pursuant to NRS 685A.075 and its members, officers, committee members, agents and employees are not liable in a civil action for any act performed in good faith and within the scope of their duties or the exercise of their authority pursuant to this chapter.
2. The Commissioner may, pursuant to NRS 679B.190, classify as confidential:
(a) Any investigation conducted by a nonprofit organization of surplus lines brokers formed pursuant to NRS 685A.075; and
(b) Any communications between such an organization and the Commissioner and other appropriate authorities pursuant to this chapter.
3. The immunities and privileges provided by this section do not affect:
(a) The availability of any other immunities or privileges otherwise provided by law; or
(b) Any rights of hearing and review otherwise provided in this chapter.
(Added to NRS by 1997, 3028)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.080 - Evidence of insurance; changes; penalty.

1. Upon placing a surplus lines coverage, the broker shall promptly issue and deliver to the insured evidence of the insurance consisting either of the policy as issued by the insurer or, if such a policy is not then available, the surplus lines broker’s certificate executed by the broker or a cover note. Such a certificate or cover note must show the description and location of the subject of the insurance, coverage, conditions and term of the insurance, the premium and rate charged and taxes collected from the insured, and the name and address of the insured and insurer and must state that the broker has verified that the insurance described has been granted or issued. If the direct risk is assumed by more than one insurer, the certificate must state the name and address and proportion of the entire direct risk assumed by each such insurer.
2. A broker shall not issue any such certificate or any cover note, or purport to insure or represent that insurance will be or has been granted by any unauthorized insurer, unless the broker has prior written authority from the insurer for the insurance, or has received information from the insurer in the regular course of business that the insurance has been granted, or an insurance policy providing the insurance actually has been issued by the insurer and delivered to the insured.
3. If after the issuance and delivery of any such certificate there is any change as to the identity of the insurers, or the proportion of the direct risk assumed by an insurer as stated in the broker’s original certificate, or in any other material respect as to the insurance evidenced by the certificate, the broker shall promptly issue and deliver to the insured a substitute certificate accurately showing the current status of the coverage and the insurers responsible thereunder.
4. If a policy issued by the insurer is not available upon placement of the insurance and the broker has issued and delivered a certificate as provided in this section, upon request therefor by the insured the broker shall as soon as reasonably possible procure from the insurer its policy evidencing the insurance and deliver the policy to the insured in replacement of the broker’s certificate theretofore issued.
5. Any surplus lines broker who knowingly or negligently issues a false certificate of insurance or who fails promptly to notify the insured of any material change with respect to the insurance by delivery to the insured of a substitute certificate as provided in subsection 3 is subject to the penalty provided by NRS 679A.180 or to any greater applicable penalty otherwise provided by law.
(Added to NRS by 1971, 1675; A 1979, 1922; 2003, 3301)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.090 - Contracts for nonadmitted coverage: Requirements.

Each insurance contract procured and delivered as a nonadmitted coverage pursuant to this chapter must have conspicuously stamped upon it:
This insurance contract is issued pursuant to the Nevada insurance laws by an insurer neither licensed by nor under the supervision of the Division of Insurance of the Department of Business and Industry of the State of Nevada. If the insurer is found insolvent, a claim under this contract is not covered by the Nevada Insurance Guaranty Association Act.
(Added to NRS by 1971, 1676; A 1981, 676; 1991, 1628; 1993, 1917; 2003, 3301; 2011, 2016)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.100 - Coverage from unauthorized insurer valid.

Insurance contracts procured as nonadmitted coverage from unauthorized insurers in accordance with this chapter shall be fully valid and enforceable as to all parties, and shall be given recognition in all matters and respects to the same effect as like contracts issued by authorized insurers.
(Added to NRS by 1971, 1676; A 2011, 2016)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.110 - Liability of insurer.

1. As to a surplus lines risk which has been assumed by an unauthorized insurer pursuant to the Nonadmitted Insurance Law, and if the premium thereon has been received by the surplus lines broker who placed such insurance, in all questions thereafter arising under the coverage between the insurer and the insured the insurer shall be deemed to have received the premium due to it for such coverage; and the insurer shall be liable to the insured for losses covered by such insurance, and for unearned premiums which may become payable to the insured upon cancellation of such insurance, whether or not in fact the broker is indebted to the insurer with respect to such insurance or for any other cause.
2. Each unauthorized insurer assuming a surplus lines risk under the Nonadmitted Insurance Law shall be deemed thereby to have subjected itself to the terms of this section.
(Added to NRS by 1971, 1676; A 2011, 2016)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.127 - Payment of child support: Statement by applicant for license; grounds for denial of license; duty of Commissioner. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. An applicant for the issuance or renewal of a surplus lines broker’s license shall submit to the Commissioner the statement prescribed by the Division of Welfare and Supportive Services of the Department of Health and Human Services pursuant to NRS 425.520. The statement must be completed and signed by the applicant.
2. The Commissioner shall include the statement required pursuant to subsection 1 in:
(a) The application or any other forms that must be submitted for the issuance or renewal of the license; or
(b) A separate form prescribed by the Commissioner.
3. A surplus lines broker’s license may not be issued or renewed by the Commissioner if the applicant:
(a) Fails to submit the statement required pursuant to subsection 1; or
(b) Indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order.
4. If an applicant indicates on the statement submitted pursuant to subsection 1 that the applicant is subject to a court order for the support of a child and is not in compliance with the order or a plan approved by the district attorney or other public agency enforcing the order for the repayment of the amount owed pursuant to the order, the Commissioner shall advise the applicant to contact the district attorney or other public agency enforcing the order to determine the actions that the applicant may take to satisfy the arrearage.
(Added to NRS by 1997, 2194)
2023 Nevada Revised Statutes › Chapter 685A - Nonadmitted Insurance › NRS 685A.133 - Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

1. If the Commissioner receives a copy of a court order issued pursuant to NRS 425.540 that provides for the suspension of all professional, occupational and recreational licenses, certificates and permits issued to a person who is the holder of a surplus lines broker’s license, the Commissioner shall deem the license issued to that person to be suspended at the end of the 30th day after the date on which the court order was issued unless the Commissioner receives a letter issued to the holder of the license by the district attorney or other public agency pursuant to NRS 425.550 stating that the holder of the license has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
2. The Commissioner shall reinstate a surplus lines broker’s license that has been suspended by a district court pursuant to NRS 425.540 if the Commissioner receives a letter issued by the district attorney or other public agency pursuant to NRS 425.550 to the person whose license was suspended stating that the person whose license was suspended has complied with the subpoena or warrant or has satisfied the arrearage pursuant to NRS 425.560.
(Added to NRS by 1997, 2195)