Key Takeaways
- The Nevada Division of Insurance (DOI) regulates the state's \$30 billion insurance market
- The Insurance Commissioner is APPOINTED by the Director of Business and Industry (not elected)
- Nevada requires 20 hours of pre-licensing education per line of authority (40 hours for combined L&H)
- Pearson VUE administers Nevada insurance licensing exams with a scaled passing score of 80
- Digital fingerprinting and criminal background check required for all applicants (\$60 via IdentoGO)
Nevada Division of Insurance
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The Nevada Division of Insurance (DOI) serves as the primary regulatory agency for insurance in the state, overseeing a $30 billion insurance market.
Nevada Division of Insurance (DOI)
The DOI is responsible for:
- Licensing and regulating insurance producers
- Monitoring insurer solvency and financial condition
- Reviewing rates and policy forms
- Protecting consumer rights
- Investigating consumer complaints
- Enforcing insurance laws
DOI Leadership
The Insurance Commissioner is:
- APPOINTED by the Director of the Department of Business and Industry
- The Director is appointed by the Governor
- Not directly elected by voters
- Serves as the state's chief insurance regulator
Exam Tip: Nevada's Commissioner is APPOINTED through a chain of appointments (Governor appoints Director, Director appoints Commissioner). Nevada is NOT one of the 11 states with an elected insurance commissioner.
Regulatory Authority
The DOI operates under Nevada Revised Statutes (NRS):
| Office | Location | Phone |
|---|---|---|
| Carson City | Main Office | (775) 687-0700 |
| Las Vegas | Southern Nevada | (702) 486-4009 |
Contact Information
- Carson City: 1818 E. College Parkway, Suite 103, Carson City, NV 89706
- Las Vegas: 2501 E. Sahara Avenue, Suite 302, Las Vegas, NV 89104
- Website: doi.nv.gov
DOI Authority and Powers
The Commissioner has broad authority under NRS Title 57:
| Power | Description |
|---|---|
| Rulemaking | Adopt regulations to implement insurance laws |
| Licensing | Issue, renew, suspend, and revoke licenses |
| Examinations | Conduct financial examinations of insurers |
| Investigations | Investigate complaints and violations |
| Enforcement | Impose fines, penalties, and cease-and-desist orders |
| Rate Review | Approve or disapprove insurance rates |
| Form Approval | Review and approve policy forms |
| Consumer Protection | Handle complaints, protect policyholder interests |
DOI Consumer Services
The DOI provides consumer assistance:
| Service | Description |
|---|---|
| Complaint Investigation | Investigate consumer complaints against insurers/producers |
| Rate Information | Provide rate comparison information |
| License Verification | Verify producer and insurer licenses |
| Education | Provide consumer education materials |
Important: Consumers can file complaints online at doi.nv.gov or by calling (888) 872-3234.
How is the Nevada Insurance Commissioner selected?
What is the approximate size of Nevada's insurance market?
Where are the Nevada Division of Insurance offices located?