[{"_1":2,"_124":-5,"_125":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,76,88,100,112],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},"mediaId",6619845,"mediaKeyId","2827222-d9f0f2c3ec1680e356788696a8ff1805","parentId",2827222,"title","AB332 aims to update industrial insurance rules; sponsors seek repeal of payroll cap and opt‑out from subsequent‑injury fund for groups","audioSeconds",1133,"startMs",3031000,"endMs",4164000,"viewUrl","/Search/View?dp=1&key=2827222-d9f0f2c3ec1680e356788696a8ff1805&start=3031&end=4164","thumbnailUrl","https://assets.pipeline.soar.com/2827222-d9f0f2c3ec1680e356788696a8ff1805/thumbnail_3031000.jpg","articleUrl","/articles/6619845/Nevada/AB332-aims-to-update-industrial-insurance-rules-sponsors-seek-repeal-of-payroll-cap-and-optout-from-subsequentinjury-fund-for-groups","mediaUrl","https://secure.pipeline.soar.com/6619845-99992479b9a6ff3abfd2d055bf73fb27/orig.mp4?Expires=1776579717&Signature=B86fpDlRlj9ginMfZcJ0I9kkj3g-7Hq39dN01VgTsOJSnWFFZYlO0BD-nJOuIzY8Tih862HQzqvlGj0R2Hh81yXFGyovdpt~3XArwO0zfEZseRtz13Ua4U-pkNqFOaDHSBtg2XJ4R0ZFx02ejj3pJ50rx8ZVvJ5KAJlzlFt5u8JTC53o~jnEraZpqM54~olyRv4EF63-LgeOmvp01HL9U3RstyGwV7QiAQUHcuZl7VccU5w1DUHRc0MfYO2UEts3PZ-oRzHvYKGCNFp3DTXAkRFTdCoTdp-D9~ZuFkXHZ-kbLE0jRFrhYU9P73vwszdXLOF4nIwzij5W4Ap0ROsOiA__&Key-Pair-Id=KUT5TJCACFTXG","author","Nevada Legislature","date","2025-03-31T23:05:47.22Z","article","The Assembly Committee on Commerce and Labor heard Assembly Bill 332, a broad package of amendments to Nevada’s industrial insurance laws, sponsored by Assemblymember P.K. O’Neil. Supporters described the bill as modernization and \"house‑cleaning\" for statutes that regulate self‑insured employer groups, bonding and the subsequent‑injury account.

Richard Staub, interim CEO of Pro Group Management (which administers multiple self‑insured employer associations), outlined several requested changes: clarifying the definition and role of an association administrator; ensuring bonding requirements are not duplicated between industrial‑insurance law and the insurance code; allowing association self‑insured groups to opt out of the subsequent‑injury account and run their own internal processes to reimburse claims associated with preexisting conditions; repealing a payroll cap that currently limits premium collection to $36,000 of an employee’s wages; and removing an obsolete audit statute tied to standard industrial classification (SIC) codes.

Staub said duplicative bonding obligations recently forced groups to maintain two identical bonds (one under the insurance code and one under industrial‑insurance statutes), and he asked the committee to restore a long‑standing offset that had been administered by regulation for two decades. He argued that the subsequent‑injury account process has become \"a quagmire,\" that applicants can face long delays and litigation to recover assessments those groups paid into the fund, and that groups would prefer to retain assessments and manage their own loss‑control and return‑to‑work efforts.

Assemblymember O’Neil and witnesses from industry stressed that repeal of the $36,000 payroll cap is aimed at parity with modern pay scales; they said the cap, last amended in 1995, forces employers to assume unpaid statutory exposure for high‑wage workers. Andrew McKay of the Nevada Franchise Auto Dealers Association supported AB332, citing cash‑flow and premium calculation benefits for dealers whose average wages exceed the cap.

The Division of Insurance testified neutral and warned that wholesale repeal of the cap might create short‑term instability in rate multipliers produced by NCCI (the national rating organization). The Division suggested a staggered or delayed effective date to allow actuarial adjustments. The Division of Industrial Relations (DIR) — which administers the subsequent‑injury account — said its current pending caseload for association subsequent‑injury claims is limited (contrasting a sponsor’s reference to 22 pending matters) and requested time to analyze amendments; DIR noted the bill appears to preserve assessments for self‑insured associations and asked for clarity about jurisdiction over claims incurred before a proposed cut‑over date.

Sponsor O’Neil described AB332 as primarily a cleanup bill to reflect modern insurance administration and to give single self‑insured groups parity with private carriers. Committee questions centered on whether the bill would create conflicts if groups self‑administer claims, how existing remedies (including benefit penalties under NRS 616D) would function if groups manage claims internally, and whether repeal of the payroll cap should be recalibrated rather than removed immediately. The hearing record included support testimony from self‑insured groups and neutral technical testimony from regulators; no sustained opposition was presented in the transcript.

The committee closed the hearing and returned the bill to the record for further consideration.","mediaType","Video","parentTitle","3/31/2025 - Assembly Committee on Commerce and Labor","oneSentenceSummary","Assemblymember P.K. O’Neil presented AB332, a multi‑section proposal to modernize Nevada’s industrial‑insurance statutes by clarifying association administration, resolving duplicated bonding, allowing association groups to exit the subsequent‑injury account, repealing an outdated $36,000 payroll cap for premium calculation, and removing obsolete audit language.","taxTitle","2025 Legislature NV, Nevada","taxId",78440,"location","Nevada","headline","","shortSummary",{"_33":77,"_35":36,"_37":38,"_39":78,"_41":79,"_43":80,"_45":81,"_47":82,"_49":83,"_51":84,"_53":85,"_55":56,"_57":58,"_59":86,"_61":62,"_63":64,"_65":87,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6619850,"Committee hears AB450 to ease licensure-by-endorsement for marriage and family therapists",1254,1679000,2933000,"/Search/View?dp=1&key=2827222-d9f0f2c3ec1680e356788696a8ff1805&start=1679&end=2933","https://assets.pipeline.soar.com/2827222-d9f0f2c3ec1680e356788696a8ff1805/thumbnail_1679000.jpg","/articles/6619850/Nevada/Committee-hears-AB450-to-ease-licensure-by-endorsement-for-marriage-and-family-therapists","https://secure.pipeline.soar.com/6619850-d83490996f3b6da8b000a25579628f7b/orig.mp4?Expires=1776579717&Signature=am8FaEGcAig0QC~P-yRrp-0yqQwvDNUQTm7UAfDpbySS8lLOhX514HOf1pVAoAy-t3kokEdF8Ak3Fa09uBU5nRWqpF6I4Z9kzBEI68AlXZfRJLXZR23sqloKbgzDh03E40U6BPCwHu6CdEJkPUOj4UtlISSdvzV1~UB2hIwPMBCJh6xJrVdxUPRZk-jNmNtC7rHnLXmlz4imWZ-fLKnTjNGp~MTaXR0AH0nrUoUlb5oKjoH7bj1nBEVLi8OireSGm1S2-opxzFIRltn8359zo-dansFMbrOtNkhpIc5wP-ZvTyHe4eeDjKzBqsRH1JC~6FY8IIUpcLaXRpnLWWxCgg__&Key-Pair-Id=KUT5TJCACFTXG","The Assembly Committee on Commerce and Labor heard testimony on Assembly Bill 450, a bill sponsored by Assemblywoman Elaine Marzola to revise Nevada licensure-by-endorsement requirements for marriage and family therapists (MFTs) and clinical professional counselors (CPCs).

Marzola and proponents said Nevada faces a shortage of mental health providers and that streamlining licensure by endorsement would encourage experienced clinicians to relocate to or provide telehealth services in the state. Patricia Barton, director of government affairs for the American Association for Marriage and Family Therapy (AAMFT), told the committee that AB450 would remove an application requirement that bars applicants who have merely been investigated but not disciplined. \"The current statute continues to prevent some qualified providers from obtaining a license by endorsement,\" Barton said.

Doctor Dominique Rice, a licensed MFT who relocated to Nevada, described personal barriers she encountered in the endorsement process and argued the bill draws an important distinction between an investigation and formal discipline. \"The requirement to demonstrate an absence of any investigation, regardless of outcome or merit, creates unnecessary...barriers and delays,\" Rice said, urging support of AB450 as a way to expand access to trauma‑informed, culturally competent care.

Sponsor and lobbyist Bobby Arnott (R & R Partners) described a conceptual amendment to change the board’s discretion language so that the Board \"shall issue\" a license when an applicant meets the specified qualifications, and to strike the permissive clause allowing the Board to request \"any other information required by the Board.\" Committee members questioned how amendments would interact with statutory timelines for document requests; sponsors said they would refine timelines to preserve parity.

Supporters at the hearing included licensed MFTs who described workforce shortages and the need for portability. No speakers registered opposition.

The bill would leave discipline authority with the Nevada Board, require applicants to hold a license in good standing from another state, and keep Nevada’s continuing‑education and fee requirements in place, according to proponents. Committee discussion focused on clarifying timelines and the scope of documentation the Board may request.","AB450 would remove the requirement that applicants prove they have not been investigated by other state boards and would narrow the board’s permissive information requests; supporters said the change would increase access to mental health providers.",{"_33":89,"_35":36,"_37":38,"_39":90,"_41":91,"_43":92,"_45":93,"_47":94,"_49":95,"_51":96,"_53":97,"_55":56,"_57":58,"_59":98,"_61":62,"_63":64,"_65":99,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6619855,"Assembly commerce committee advances four bills in work session",207,1419000,1626000,"/Search/View?dp=1&key=2827222-d9f0f2c3ec1680e356788696a8ff1805&start=1419&end=1626","https://assets.pipeline.soar.com/2827222-d9f0f2c3ec1680e356788696a8ff1805/thumbnail_1419000.jpg","/articles/6619855/Nevada/Assembly-commerce-committee-advances-four-bills-in-work-session","https://secure.pipeline.soar.com/6619855-91d963ac47445c9930b0fc620f3593be/orig.mp4?Expires=1776579717&Signature=jEVYMCCnn8YkiRhLdyREashV6Y4gccobUo5CA-L8vA5NCSFfEe2w3oeR5lxqNrmmtPKc~EN5uwZ0CHjAGiQqs9lS-X3EBmi1bIKQuS7bWunWBnx~pUWXhdShaL5fX4II13ZN5uG9YF~mIdtUIoC~XF2FOdaYAtYzOI0b5eKTmL1Iz3HTu2NkMAv5OzGkshvwjcyqIoZQJS1TRMdNDZ8po6fh4dXxptShgXClJ75sjGispOJJzV7VRyjMCLuhXT5a24sOXFeKkz-5p8EylXL6fbZaQviHtyYWOqfTh~4lP-vLTz1jtwBBE1U~UrPb3lrQmZ1OGSDPsoMivI2y0fSpOA__&Key-Pair-Id=KUT5TJCACFTXG","The Assembly Committee on Commerce and Labor advanced four bills in a work session, voting to amend and recommend passage to the full Assembly.

The committee, chaired by Assemblywoman Elaine Marzola, took up four measures in a condensed work session: Assembly Bill 169 (speech-language pathology coverage), AB280 (housing provisions), AB498 (motor club regulation) and AB510 (changes to regulation of accountancy). Each motion to amend and do pass carried following committee motions and seconds.

The committee’s action was procedural: members moved to amend and then to do pass each bill, and floor statements were assigned to committee members for presentation on the Assembly floor. Vice Chair Howdighi made the first motion on AB169 and Assembly Member Monroe Moreno seconded at least one of the motions. During the AB280 vote, Assembly Member O’Neil recorded a formal no vote and later five members were recorded as voting nay on that motion.

Votes at a glance

- AB169: Motion to amend and do pass (sponsored by Assemblymember Yeager Hurd). Motion carried; floor statement assigned to Chair Marzola.
- AB280: Motion to amend and do pass (sponsored by Assemblymember Howdighi). Recorded no votes: Assemblymember O'Neil, Assemblymember Kasama, Assemblymember Urich, Assemblymember Cole, Assemblymember Hardy. Motion carried; floor statement assigned to Vice Chair Howdighi.
- AB498: Motion to do pass (Committee on Commerce and Labor, revives motor club provisions). Motion carried; floor statement assigned to Assemblymember Carter.
- AB510: Motion to do pass (Committee on Commerce and Labor, regulation of accountancy). Motion carried; floor statement assigned to Assemblymember Yurek.

Why it matters: movement out of committee signals the bills will go to the floor for further consideration by the full Assembly. AB280 drew the clearest recorded dissent during the work session on questions tied to rent-control elements.

Committee members signaled no extended debate during the work session and reserved detailed discussion for the floor or hearings. Committee staff and sponsors will prepare floor statements and amendments for consideration by the full Assembly.","The Assembly Committee on Commerce and Labor held a work session and moved to amend and do pass four bills (AB169, AB280, AB498, AB510); one vote included five recorded no votes.",{"_33":101,"_35":36,"_37":38,"_39":102,"_41":103,"_43":104,"_45":105,"_47":106,"_49":107,"_51":108,"_53":109,"_55":56,"_57":58,"_59":110,"_61":62,"_63":64,"_65":111,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6619836,"AB407 narrows right‑to‑repair bill to wheelchairs and personal mobility devices after testimony from users",2084,8134000,10218000,"/Search/View?dp=1&key=2827222-d9f0f2c3ec1680e356788696a8ff1805&start=8134&end=10218","https://assets.pipeline.soar.com/2827222-d9f0f2c3ec1680e356788696a8ff1805/thumbnail_8134000.jpg","/articles/6619836/Nevada/AB407-narrows-righttorepair-bill-to-wheelchairs-and-personal-mobility-devices-after-testimony-from-users","https://secure.pipeline.soar.com/6619836-2cf8217a693a6379e799e80aa552d407/orig.mp4?Expires=1776579717&Signature=EXVYpY9Vwo5c0iXkyXS1E33DtyD6Y0XMKiW2VSxSpOABJ7r7owivUlFhNokldsWsMt1~PhtCnKxpaU-MWmR-dj9kjlKcYmzevFa0ddpvv5dbhqTwzuy1Ceju8z9wbd8ms3n2gnZL9HK1R2lLF-bE2brD77YyTasbMPD0c354Os0gLEDL0LTnHUvO~TaIXgUAHHiL3WpFPmX5C-wuPrApgKLtSytjzmAlPCNleoDipl6QyQBNOtphei~sIZxeoZ5FoU3zZNswSqgkST8ubgwIKR3ZOIPyIWZI~6etzqwbcOQw4SRvXLegN1pUuPTR2HeTMXKsS4b5mZr~zL-Xacp47w__&Key-Pair-Id=KUT5TJCACFTXG","Assemblymember Tracy Brown‑May presented a revised version of Assembly Bill 407 (version 3), narrowed to address right‑to‑repair access for wheelchairs and personal mobility devices. The amendment restricts covered equipment to personal mobility devices and clarifies definitions, documentation and liability protections.

Sponsor Brown‑May opened the hearing by introducing Connor Fogel, who described personal experience with extended repair delays that limited his independence and employment opportunities. \"When his chair breaks down and he doesn't have access to repair, he can't leave his house,\" Brown‑May said; Fogel testified that lack of timely repairs affected his ability to work and participate in community life.

Under the amended language, original equipment manufacturers (OEMs) would be required on \"fair and reasonable terms and costs\" to make available to owners and independent repair providers the documentation, parts, embedded software or tools needed to diagnose, maintain and repair covered equipment — including updates — while preserving protections for valid trade secrets and intellectual property. The amendment prohibits OEMs from retaliating against independent repair providers and from imposing restrictions not reasonably necessary to enable repair. The measure also clarifies liability provisions and assigns deceptive‑trade‑practice remedies for violations.

Supporters included disability‑advocacy groups, Opportunity Village, the Nevada Governor’s Council on Developmental Disabilities, NFIB Nevada (small business) and individual repair advocates. Testimony emphasized the human cost of long repair timelines and the economic benefit of enabling local repair businesses to serve multiple brands. \"Imagine asking these repair companies to go without their legs for 6 months to a year,\" said Katherine Nielsen of the Governor's Council, describing wheelchairs as essential medical devices.

A neutral technical comment came from the National Electrical Manufacturers Association, which asked sponsors to refine definitions and to ensure intellectual‑property language covers patents, trademarks and copyrights to avoid unintended consequences for other products such as smart lighting. The sponsor said the amendment addresses many initial concerns and indicated openness to moving the bill effective date earlier than the January 1 target if the committee adopts an amendment.

The committee closed the hearing with broad support from advocacy organizations but no recorded opposition. Sponsors said they will consider changing the effective date upon passage.","Assemblymember Tracy Brown‑May presented an amended AB407 focused specifically on wheelchairs and personal mobility devices; supporters said the bill would speed repairs, protect independence and help small repair businesses, while manufacturers’ trade groups asked for clarity on intellectual‑property and trade‑secret language.",{"_33":113,"_35":36,"_37":38,"_39":114,"_41":115,"_43":116,"_45":117,"_47":118,"_49":119,"_51":120,"_53":121,"_55":56,"_57":58,"_59":122,"_61":62,"_63":64,"_65":123,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6619841,"AB376 would create an insurance 'sandbox' and allow standalone wildfire coverage; opponents warn of consumer protections loss",3362,4950000,8312000,"/Search/View?dp=1&key=2827222-d9f0f2c3ec1680e356788696a8ff1805&start=4950&end=8312","https://assets.pipeline.soar.com/2827222-d9f0f2c3ec1680e356788696a8ff1805/thumbnail_4950000.jpg","/articles/6619841/Nevada/AB376-would-create-an-insurance-sandbox-and-allow-standalone-wildfire-coverage-opponents-warn-of-consumer-protections-loss","https://secure.pipeline.soar.com/6619841-1f63cce2228bef6e1f01ea2b0c8fd89d/orig.mp4?Expires=1776579717&Signature=CX1a4AK8ZYKdacXuZ3fXaYO4poHuK0cI0DvlzlhAJuKJ~0cGUqosiAJTRDAmfvQN0g-HtPYPx14Qo6WtzWtKAipayIjwI6DuA-c9-jCnPmXaUZA6hsQqggBZwVFDh7po8pTn45cEpXNCLdbdsjrluBlcJ1NEk5GOWzOshZNKpZ17kxBOog4gwxaUZ249qcXQ4-V2R6Ec20gI6~lKShq2IY~hra8bsbZvlul-cxKGAAs1wRFLJd6AYZp083SNrQRkpG3wvVZnP4htuwOTufu~R4PEfkp4R8ctC36aCuQR9NZrr4GLzqAoxiRaCt-usnA5F2ByHjg9EvvSdvkTQNr52A__&Key-Pair-Id=KUT5TJCACFTXG","The committee heard Assembly Bill 376, a package of amendments designed to address homeowners‑insurance availability in wildfire‑exposed parts of Nevada by creating a limited regulatory \"sandbox,\" allowing stand‑alone wildfire products and authorizing a flex‑rating procedure for real‑property coverage.

Sponsor Assemblymember P.K. O’Neil and Nevada Insurance Commissioner Scott Kipper presented the bill and a negotiated amendment. The amendment would create a four‑year sandbox (January 1, 2026 effective date for the sandbox) to permit insurers to test innovative property products under specified consumer disclosures and regulatory oversight. Approved sandbox products would receive limited exemptions from the specific statutes and regulations listed and justified in their applications; initial trials would be limited to 36 months with one 12‑month extension. The amendment also includes a flex‑rating mechanism to allow automatic approval of rate changes inside a commissioner‑set threshold, and a section permitting insurers to offer policies that exclude wildfire peril or that provide only wildfire coverage — an approach analogous to how earthquake coverage is often handled in other states. The measure would also allow homeowners associations and common‑interest communities to pursue captive‑insurance arrangements for property risks.

Supporters — including property‑casualty trade groups, county representatives and civic policy organizations — said the bill is intended to expand options in markets where standard homeowners coverage has been withdrawn. \"This will provide options for homeowners who cannot otherwise obtain coverage,\" Adam Plain of the Division of Insurance said while walking through technical amendments. Commissioner Kipper told the committee that town halls in affected communities showed homeowners and HOAs struggling to find coverage in high‑exposure neighborhoods.

Opponents included the Consumer Federation of America, which urged rejection of the bill’s original draft as drafted earlier in the day, arguing the proposal would erode prior‑approval rate review and allow companies to raise rates or test products with insufficient consumer safeguard and refund mechanisms. Michael DeLong of the federation said the original bill \"would gut Nevada's insurance regulation\" by enabling companies to increase rates without adequate division review and keeping overcharges from being refunded to consumers. The recorded opposition focused on the risk that flex‑rating systems let insurers increase prices up to the threshold repeatedly and that carving wildfire out of standard policies could hollow out consumer protection.

Commissioner Kipper and sponsors said the amendment narrows and clarifies the sandbox, preserves consumer protections through disclosures, provides the Division authority to remove participants who abuse the program, and includes a legislative sunset so the program can be evaluated. Regulators asked for a phased or staggered effective date for payroll‑related or rate changes to allow third‑party rate services (NCCI) to adjust multipliers.

The committee heard supportive testimony from local government (Washoe County) and industry associations, and neutral technical testimony from the Division of Insurance; the Consumer Federation delivered on‑record opposition. The hearing record concluded with committee questions about metrics to evaluate the sandbox, consumer protections in the event an experimental product fails, and possible federal reinsurance developments that could affect wildfire coverage.

The committee closed the hearing without final action; sponsors and regulators said they expect to continue working on amendments to balance market access and consumer protection.","AB376 would establish a limited regulatory 'sandbox' for property insurance innovation, permit standalone wildfire products and a flex‑rating option for real‑property policies; supporters say it could expand availability in wildfire‑prone areas while opponents argue it risks weakening consumer rate protections.","actionData","errors"]

Article not found

AB332 aims to update industrial insurance rules; sponsors seek repeal of payroll cap and opt‑out from subsequent‑injury fund for groups

Committee hears AB450 to ease licensure-by-endorsement for marriage and family therapists

Assembly commerce committee advances four bills in work session

AB407 narrows right‑to‑repair bill to wheelchairs and personal mobility devices after testimony from users

AB376 would create an insurance 'sandbox' and allow standalone wildfire coverage; opponents warn of consumer protections loss