Contractors Insurance in Nevada

Specialized coverage packages for general contractors, subcontractors, and tradespeople working in Nevada's booming construction industry. Family Insurance LLC writes contractors insurance across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Contractors Insurance
Category	Commercial Insurance
States available	Nevada, Utah, Minnesota
Who it's for	General contractors; Subcontractors and tradespeople; HVAC, plumbing and electrical contractors
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

Nevada's construction industry is booming, with new residential, commercial, and infrastructure projects breaking ground across the Las Vegas valley. But construction is inherently high-risk — one accident on a job site can lead to six-figure lawsuits, OSHA fines, and project delays.

The Nevada State Contractors Board requires all licensed contractors to carry general liability insurance and workers' compensation. Beyond these minimums, savvy contractors also carry tools and equipment coverage, commercial auto, and inland marine policies.

Family Insurance specializes in contractor packages that bundle all required coverages into one streamlined program — saving you money and ensuring you meet every licensing and contract requirement.

Who needs this coverage

• General contractors
• Subcontractors and tradespeople
• HVAC, plumbing and electrical contractors
• Remodeling and renovation companies

What's included

• General liability for contractors
• Tools and equipment coverage
• Completed operations coverage
• Workers' compensation integration

Coverage details

• Contractor General Liability: Covers bodily injury and property damage claims arising from your construction operations.
• Tools & Equipment: An inland marine policy that covers your tools, equipment, and materials — on-site or in transit.
• Completed Operations: Protects against claims for property damage or injury caused by work you've already finished.
• Builder's Risk: Covers buildings under construction against fire, wind, theft, and vandalism.
• Commercial Auto: Covers your work trucks, vans, and trailers used to transport crews and materials.

Common endorsements

• Builder's risk coverage
• Professional liability
• Pollution liability

Frequently asked questions

What insurance do I need for a Nevada contractor's license?

The Nevada State Contractors Board requires general liability insurance and a surety bond. Workers' comp is also required if you have employees.

Does my policy cover subcontractors?

Typically no — subcontractors need their own insurance. We can issue certificates of insurance and additional insured endorsements for your projects.

What about OCIP or wrap-up programs?

For larger projects, we can arrange Owner-Controlled Insurance Programs (OCIPs) that cover all contractors on a single project under one policy.

Family Insurance LLC · 7318 West Post Rd Ste 202B, Las Vegas, NV 89118 · (702) 764-9951 · info@familyinsurancellc.com