NRS 692A.041 “Premium” defined. 1. “Premium” means charges for: (a) Assuming a risk; (b) Abstracting, searching and examining title to determine insurability; and (c) Any other activity associated with the assumption of risk. 2. “Premium” does not include charges for: (a) Escrow; (b) Settlement or closing; or (c) Other special services not associated with the assumption of risk, Ê whether or not they are called premiums. (Added to NRS by 1977, 977)