NRS 695E.060: “Liability” defined.

1. “Liability” means legal liability for damages, including costs of defense, legal costs and fees, and other expenses for claims, because of injuries to other persons, damage to their property, or other damage or loss to those persons resulting from or arising out of any:

(a) Business, whether or not conducted for profit, or any trade, product, services, whether or not professional, or any premises or operations; or

(b) Activity of any state or local government, or any agency or political subdivision thereof.

2. The term does not include personal risk liability and an employer’s liability concerning its employees, other than legal liability under the Federal Employers’ Liability Act.