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Contractors
Insurance

Nevada

Nevada

Contractors Insurance

Stop overpaying for coverage in the Silver State today!
Just a couple of minutes can save you up to 65% or more with Nevada’s leading contractors’ insurance programs –

Coverage for Nevada Contractors

As Nevada's ultimate source for affordable Contractors' Insurance, our construction insurance programs offer straightforward protection against unforeseen business claims –

What is Nevada Contractors’ Insurance?

Nevada contractors’ insurance is vital for safeguarding against financial risks involved in all aspects of business operations.

Why Do I Need It?

The construction sector is renowned for its hazards, and Nevada contractors are no exception. Whether you’re a demolition specialist, project manager, or tradesperson of any size, daily risks abound. These risks can lead to potential financial ruin for inadequately insured businesses in the face of workplace injuries or third-party lawsuits. Incidents such as slip and fall, burns, electric shocks, or equipment mishaps can result in severe injuries, regardless of rigorous safety protocols. Don’t wait for a disaster to strike, fortify your business today.

A comprehensive commercial insurance package protects Nevada construction businesses against unforeseen incidents.

Protect Against the Unpredictable

Contractors planning to work in Nevada should consult the Nevada State Contractors Board to understand and comply with state licensure or project bidding requirements.

At low rates accommodating any budget, our insurance experts stand ready to offer Nevada contractors affordable coverage options, safeguarding against employee or third-party actions.

Our Recommended Products

General Liability


General liability insurance (Nevada contractor liability insurance) is a cornerstone of financial protection for Nevada contractors. It provides a safety net, covering third-party claims that could lead to costly legal and economic consequences, and offering peace of mind in the face of potential risks.

Nevada contractor liability insurance is a lifeline for construction businesses, helping them recover from financial setbacks due to bodily injury, property damage, or personal injury claims. This coverage is essential for contractors, providing a sense of relief in the face of job site incidents and customer-related accidents.

Without general liability insurance, Nevada contractors may face:

  • Lawsuits – Legal expenses from third-party injury or property damage claims.
  • Medical Costs – Out-of-pocket expenses if someone gets injured on-site.
  • Property Damage – Hefty repair or replacement costs if your work accidentally damages a client’s property.

Recommended Coverage Limits for Nevada Contractors

We highly recommend carrying an industry-standard $1 million per occurrence / $2 million aggregate policy to ensure:

  • Financial Protection – Covers legal fees, settlements, and judgments.
  • Compliance With Contracts – Many contracts require specific coverage limits to meet insurance obligations
  • Business Security – Protects against unexpected claims that could jeopardize your company.

What Nevada contractors’ general liability insurance covers:

  • Bodily Injury & Property Damage – Covers third-party injuries and property damage caused by your operations.
  • Products & Completed Operations – Protects against claims related to past projects.
  • Personal & Advertising Injury – Covers libel, slander, or misleading advertising claims.
  • Medical Payments – Pays for minor medical expenses without litigation.
  • Defense Costs – Covers legal fees, even if a claim is unfounded.

Failing to carry general liability insurance for Nevada contractors can result in financial loss, lost job opportunities, and potential legal trouble.

Workers' Comp


Workers’ compensation for Nevada contractors provides financial protection for employees injured or made ill due to job-related activities. This coverage ensures that medical expenses, wage replacement, and other necessary benefits are addressed while helping contractors comply with Nevada state law.

Nevada Contractors’ Workers’ Compensation Requirements

Under Nevada law, employers must secure contractors’ workers’ compensation insurance. Workers’ compensation is a no-fault system that ensures that employees receive medical benefits and, if eligible, compensation for lost wages due to work-related injuries or illnesses—regardless of who caused the accident. In certain cases, employees may also receive permanent disability compensation, vocational rehabilitation, and death benefits.

Key Benefits of Workers’ Compensation for Nevada Contractors

  • Medical Benefits – Covers hospital visits, prescriptions, and necessary medical treatments.
  • Wage Replacement – Provides income for employees unable to work due to injury.
  • Permanent Disability – Offers compensation for long-term or permanent impairments.
  • Vocational Rehabilitation – Helps injured workers train for new job opportunities if they can’t return to their previous roles.
  • Death Benefits – Assists with burial costs and provides financial support to dependents.

Compliance and Penalties:

Employers failing to maintain workers’ compensation coverage may face:

  • Civil fines and potential legal penalties.
  • Full liability for unpaid compensation and medical costs.
  • Business closure orders from the Nevada Division of Industrial Relations.

For the most up-to-date requirements, visit the Nevada Department of Business & Industry.

Surety Bonds


Nevada contractor license bonds are essential for ensuring compliance with state regulations and protecting consumers from potential financial risks. These bonds act as a financial guarantee that contractors will adhere to contractual obligations and maintain professional standards.

The Nevada State Contractors Board requires all licensed contractors to obtain a surety bond. Bond amounts vary based on the type of license, monetary limit, and the contractor’s financial and professional responsibility. Bond amounts can range from $1,000 to $500,000.

Key factors influencing bond requirements include:

  • Type of License: Different classifications may require varying bond amounts.
  • Monetary Limit: The financial scope of projects a contractor is authorized to undertake.
  • Financial and Professional Responsibility: The contractor’s financial stability and professional track record.

Securing the appropriate Nevada contractor license bond is crucial for legal compliance and fostering trust with clients.

Commercial Auto


Nevada contractors’ commercial auto insurance safeguards business vehicles against liabilities arising from accidents, theft, or vandalism while ensuring compliance with state regulations.

State law mandates that all business-owned vehicles carry commercial auto coverage. The minimum liability insurance requirements in Nevada include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Commercial vehicle insurance for Nevada contractors offers tailored coverage options, including higher liability limits, additional insured endorsements, and protection for hired and non-owned vehicles. Coverage can also extend to business trailers, with no limits on the number of vehicles or drivers under your policy.

Inland Marine


Nevada contractors’ tools and equipment insurance is essential for protecting valuable assets from risks such as theft, damage, and unforeseen events during transit or at job sites.

This coverage ensures that your business operations remain uninterrupted, safeguarding your investments.

Inland marine insurance for Nevada contractors typically covers:

  • Property Transported (Cargo): Protects materials and equipment while being transported to and from job sites.
  • Contractor’s Equipment (Hand Tools): Covers tools and machinery used in daily operations.
  • Computer Equipment: Safeguards electronic devices essential for business functions.
  • Buildings Under Construction (Builder’s Risk): Provides coverage for structures during the course of construction.
  • Installation Floaters: Protects materials and equipment awaiting or in the process of installation.

Securing the appropriate Nevada contractors’ inland marine insurance is crucial for maintaining business continuity and protecting your investments against unforeseen losses.

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