If you drive for a rideshare or delivery app in Nevada, hire gig drivers for your business, or were hit by someone working one of those apps, the rules changed on October 1, 2025. Assembly Bill 523, passed in the 2025 session and approved May 19, 2025, did two things: it lowered the insurance floor for rideshare trips, and it largely took the platforms out of the line of fire for their drivers' crashes. Here is what the enrolled bill actually says, and what it means for you.
First, the rideshare "periods"
Rideshare coverage is built around what the driver is doing at the moment of the crash:
- Period 0: app off. The driver is just a person driving a personal car.
- Period 1: app on, logged in and available, but no ride accepted.
- Period 2: ride accepted, driving to pick up the passenger.
- Period 3: passenger in the car until they fully get out.
Nevada's statute doesn't use the word "periods," but it tracks them exactly. NRS 706A.060 defines transportation services as beginning when the driver accepts a ride request and ending when the last passenger disembarks. That's Periods 2 and 3. Period 1 is the separate "logged in and available" window.
What AB 523 changed
1. The on-trip minimum dropped from $1,500,000 to $1,000,000. Section 1 amends NRS 690B.470 so that the rideshare company or driver must carry at least $1,000,000 per accident for bodily injury and property damage while the driver is providing transportation services (Periods 2 and 3). The same cut, $1,500,000 to $1,000,000, applies to monitored autonomous vehicle providers whenever they're operating a monitored autonomous vehicle.
2. Period 1 did not change. App on, no ride: still $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage.
3. Rideshare companies are no longer vicariously liable. New NRS 706A.155 says a transportation network company is not vicariously liable for a driver's or passenger's act or omission "under any theory of liability or duty of care." It expressly preserves any other theory of liability against the company, to the extent available and proven.
4. Delivery companies got a parallel shield, with a condition. Sections 2.1 to 2.9 (now NRS 597.767 to 597.7678) define a delivery network company as an entity that uses a digital network to connect customers with independent-contractor drivers delivering within 50 miles. Such a company is not vicariously liable for its drivers and is deemed not to control them or their vehicles. But for drivers using a motor vehicle, the shield applies only if the company had a policy of at least $1,000,000 in force that insured the driver's liability during the delivery service period. That period starts when the driver heads to a pickup and ends at the final drop-off.
5. Timing. The bill doesn't apply to any cause of action that arose before October 1, 2025.
What's left after the shield
Vicarious liability is liability for someone else's conduct simply because of the relationship. AB 523 removes that. It does not remove liability for the company's own conduct. Claims that a platform was directly negligent, such as negligent hiring or retention of a driver it had reason to know was dangerous, remain available to the extent Nevada law recognizes them and the facts prove them. How courts apply the new sections is still developing, and we found no appellate ruling interpreting them as of November 2026. If you're in a claim, talk to your attorney about which theories fit your facts.
If you drive for an app
Your personal auto policy is still the weak link. The standard personal auto form excludes a car used as a public or livery conveyance, which the current edition says includes any time you're logged into a rideshare app, and many insurers add their own delivery exclusions. NRS 690B.480 lets your personal insurer exclude rideshare use altogether, from logged-in through drop-off, and NRS 690B.460 requires the rideshare company to tell you in writing that your personal auto may not cover you while you're working.
That leaves you depending on the platform's coverage, which in Period 1 is only the 50/100/25 floor. A rideshare endorsement on your personal policy, or a policy written for the work, is what closes that window. See our guides to transportation network company insurance and delivery network company insurance.
If your business uses drivers
AB 523 protects the platforms. It does not protect you.
- You run your own delivery with employees. You are not a delivery network company under the bill, so ordinary employer liability applies. If your employee crashes on a delivery, you're in the claim. If they drive their own car, their personal auto generally pays first, unless it carries a delivery exclusion, which many do. Hired and non-owned auto insurance protects the business above it; make sure the underwriter knows your staff make deliveries. Vehicles the business owns belong on commercial auto insurance.
- You dispatch independent contractors through your own app or site. You may fit the delivery network company definition. If so, the shield only helps if you actually carry a $1,000,000 policy insuring those drivers during the delivery service period. Without it, you get no shield.
- You simply order through a third-party platform. The shield belongs to the platform. Your own exposure depends on your facts and your contracts.
Restaurants and courier businesses sit squarely in this. See our restaurant insurance page and our primer on commercial auto insurance.
If you were hurt by an app driver
For a crash on or after October 1, 2025, the path generally runs through the driver and the required insurance on that trip: $1,000,000 if a ride was accepted or a passenger was aboard, far less if the driver was only logged in. That $1,000,000 is a per-accident limit shared by everyone injured in the crash. If the driver was delivering, Nevada sets no delivery-specific minimum; what's available depends on the driver's own policy, which may exclude delivery, and on whether the delivery company carried a policy for that delivery period. Above it, the company generally isn't on the hook for the driver's conduct unless a direct-negligence claim applies. Your own uninsured and underinsured motorist coverage matters more than ever, since the statute allows but doesn't require it on rideshare policies.
The gotcha: the $1 million is narrower than it sounds
Most people hear "$1 million" and assume the driver has it whenever the app is open. They don't. The rideshare $1,000,000 applies only from ride acceptance to drop-off. With the app on and no ride, the floor is 50/100/25. For delivery, Nevada sets no delivery-specific floor at any point: the $1,000,000 isn't a mandate, only the condition for the company's shield, and it reaches only the delivery service period, not time spent waiting for an order. Hours of a gig driver's day can sit in the thin layers.
Our approach
We start with how you actually use vehicles: who drives, whose cars, employees or contractors, and whether you dispatch through your own technology. Then we line up the coverage to match each window, from rideshare or delivery driver coverage, to hired and non-owned auto for staff in their own cars, to commercial auto for fleet vehicles. Because $1,000,000 is now the floor, not the ceiling, we look hard at an umbrella or excess liability policy over the auto layer. Our explainer on how umbrella and excess liability work shows how that stack fits together.
Frequently Asked
What is the rideshare insurance requirement in Nevada?
Under NRS 690B.470, as amended by AB 523, a rideshare company or its driver must carry at least $1,000,000 for bodily injury and property damage per accident while the driver is providing transportation services, which runs from accepting a ride request until the last passenger gets out. While the driver is logged in and available but has no ride, the minimum is $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage. The on-trip minimum was $1,500,000 before AB 523.
Is a rideshare company liable for its driver's accident in Nevada?
Not vicariously. AB 523 added NRS 706A.155, which says a transportation network company is not vicariously liable for a driver's or passenger's acts or omissions under any theory of liability. The company can still be sued on other theories it is directly responsible for, such as negligent hiring or retention, to the extent those are available and proven. The required insurance on the trip still responds to the crash itself.
When did Nevada AB 523 take effect?
AB 523 was approved May 19, 2025, and took effect October 1, 2025. Section 4 of the bill says its changes do not apply to a cause of action that arose before October 1, 2025, so older claims are governed by the prior law, including the $1,500,000 minimum.
Do delivery app companies have to carry insurance in Nevada?
AB 523 does not create a stand-alone insurance mandate for delivery network companies. Instead, it makes their vicarious-liability shield depend on it: for drivers using a motor vehicle, the shield applies only if the company had a policy of at least $1,000,000 in force that insured the driver's third-party liability during the delivery service period. That period starts when the driver heads to a pickup, not when the app is merely on.
This article is general information for business owners, not insurance or legal advice, and does not bind or alter coverage. Policy terms, eligibility, and pricing vary by carrier and state — confirm specifics with our licensed team before making decisions.