Nevada contractors insurance
Nevada contractors generally carry general liability as their core policy, and the state ties licensing to both a monetary limit and a bond. Coverage is built around the third-party injury, property damage, and completed-operations exposure of construction work.
Licensing & registration in Nevada
Contractors generally must be licensed by the Nevada State Contractors Board, with the license classified by trade and assigned a monetary limit on the size of jobs you can take. Confirm your classification and current rules with the Board before bidding.
A contractor’s bond is generally required to hold a Nevada license, and the bond amount commonly scales with your license’s monetary limit. The bond protects the public and is distinct from your liability insurance.
Coverages Nevada contractors carry
- •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
- •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
- •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
- •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
- •Commercial auto — for work trucks and vans; personal auto typically excludes business use.
Who needs it in Nevada
Common Nevada users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Las Vegas, Henderson, Reno, and Sparks.
Tell us your license class, payroll, and work, and we’ll route you to a fitting carrier — and you can request the certificate of insurance your license and your jobs require.
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