Insurance for Plumbers, Electricians & Skilled Trades in Nevada

Protect your trade business with general liability, tools & equipment coverage, and workers' compensation designed for skilled tradespeople. Family Insurance LLC writes trades & services insurance across Nevada, Utah and Minnesota, comparing 10+ A-rated carriers. Call (702) 764-9951 for a quote.

Coverage	Trades & Services Insurance
Category	Commercial Insurance
States available	Nevada, Utah, Minnesota
Who it's for	Plumbers and pipefitters; Electricians and low-voltage contractors; HVAC installation and repair
Carriers shopped	10+ A-rated carriers
Phone	(702) 764-9951

Overview

Skilled tradespeople — plumbers, electricians, HVAC technicians, painters, and landscapers — work on other people's property every day. That means constant liability exposure for property damage, bodily injury, and faulty workmanship claims.

Nevada's construction boom keeps tradespeople busy, but it also increases risk. General contractors increasingly require subcontractors to carry specific insurance limits and name them as additional insureds before stepping foot on a job site.

Family Insurance builds trade-specific insurance packages that satisfy general contractor requirements, protect your tools and equipment, and cover your employees. We understand the class codes, audit processes, and endorsements that matter to skilled trades in Nevada.

Who needs this coverage

• Plumbers and pipefitters
• Electricians and low-voltage contractors
• HVAC installation and repair
• Painters and drywall contractors
• Landscapers and irrigation companies
• Handyman and maintenance services

What's included

• Satisfy GC insurance requirements
• Protect expensive tools and equipment
• Coverage for work on client property
• Employee injury protection
• Affordable bundled packages

Coverage details

• General Liability: Covers property damage to client homes and businesses, bodily injury claims, and completed operations — essential for any tradesperson working on others' property.
• Tools & Equipment: Covers your hand tools, power tools, diagnostic equipment, and specialty items against theft, fire, and damage — in your shop, truck, or on the job site.
• Commercial Auto: Insures your work trucks, vans, and trailers used for service calls, material transport, and job site travel.
• Workers' Compensation: Required Nevada coverage for employees. Covers medical bills, lost wages, and rehabilitation for work-related injuries.
• Professional Liability: Covers claims of faulty workmanship, design errors, or incorrect installations that cause financial loss to a client.
• Inland Marine: Covers tools, equipment, and materials in transit between your shop and job sites.

Common endorsements

• Additional insured for GCs
• Waiver of subrogation
• Per-project aggregate
• Installation floater

Frequently asked questions

Does my general liability cover damage I cause to a client's property?

Yes — general liability covers property damage caused by your operations. If you accidentally rupture a water line or damage drywall, your GL policy responds.

Why do general contractors require additional insured status?

GCs need to be listed as additional insured on your policy so they're protected if a claim arises from your work on their project. Most GCs won't hire subs without this endorsement.

Are my tools covered under my commercial auto policy?

Typically no — commercial auto covers the vehicle, not its contents. You need an inland marine or tools & equipment policy to cover items inside your work truck.

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