NevadaAB51283rd Regular Session (2025)House

AN ACT relating to insurance; establishing the policies of insurance to which certain requirements relating to coverage for legal defense costs are applicable; including certain insurance that provides for certain payments for certain legal services and certain expenses in the definition of “casualty insurance”; and providing other matters properly relating thereto.

Sponsored By: Assembly Committee on Commerce and Labor

Signed by Governor

BDR 57-1089

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Insurers can’t cut limits for defense costs

Insurers cannot reduce your liability policy limit by defense or legal costs. They also cannot cut off coverage for those defense costs. This covers motor vehicle, owner-occupied primary home, commercial general liability, commercial auto, and health-care professional liability policies. This rule does not apply to risk retention groups, captive insurance that never covers third-party liability, or nonadmitted insurers.

Legal-fee insurance gets consumer protections

Insurance that pays or reimburses specific legal services is now treated as casualty insurance. That brings it under the state’s casualty insurance rules and oversight. Prepaid legal plans, direct group contracts with attorneys, and fixed-fee attorney arrangements are not included.

Sponsors & Cosponsors

Sponsor

  • Assembly Committee on Commerce and Labor

    Affiliation unavailable

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 62 • No: 0

Senate vote • 5/19/2025

Final Passage - Senate (1st Reprint)

Yes: 20 • No: 0

House vote • 4/22/2025

Final Passage - Assembly (1st Reprint)

Yes: 42 • No: 0

Actions Timeline

  1. Chapter 95.

    5/29/2025legislature
  2. Approved by the Governor.

    5/29/2025legislature
  3. Enrolled and delivered to Governor.

    5/23/2025legislature
  4. In Assembly. To enrollment.

    5/20/2025House
  5. Read third time. Passed. Title approved. (Yeas: 20, Nays: None, Excused: 1.) To Assembly.

    5/19/2025Senate
  6. Read second time.

    5/16/2025Senate
  7. From committee: Do pass.

    5/15/2025Senate
  8. Read first time. Referred to Committee on Commerce and Labor. To committee.

    4/29/2025Senate
  9. In Senate.

    4/28/2025Senate
  10. To Senate.

    4/25/2025House
  11. From printer. To engrossment. Engrossed. First reprint.

    4/25/2025House
  12. To printer.

    4/22/2025House
  13. Read third time. Passed, as amended. Title approved, as amended. (Yeas: 42, Nays: None.)

    4/22/2025House
  14. Dispensed with reprinting.

    4/21/2025House
  15. Read second time. Amended. (Amend. No. 192.)

    4/21/2025House
  16. Placed on Second Reading File.

    4/21/2025House
  17. From committee: Amend, and do pass as amended.

    4/21/2025House
  18. From printer. To committee.

    3/25/2025House
  19. Read first time. Referred to Committee on Commerce and Labor. To printer.

    3/24/2025House

Bill Text

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