Insurance Solutions for Nevada Contractors

Contractors in Nevada face unique insurance requirements driven by state licensing laws, jobsite risks, and contract obligations. Whether you’re a general contractor, subcontractor, or specialty trade, having the right insurance coverage is critical to protecting your business and staying compliant.

Hard Hat Insurance is a contractor‑focused insurance resource operated by Jesus Galvan, a licensed insurance broker. Insurance services are provided through Bearstar Insurance Services.

Insurance Requirements for Nevada Contractors

The Nevada State Contractors Board (NSCB) requires contractors to carry specific insurance coverage depending on license classification, payroll, and operations. Insurance is often required to obtain or maintain an active contractor’s license and to legally operate in the state.

• General liability insurance requirements vary by license type

• Workers’ compensation insurance is required for contractors with employees

• Contractors may be required to provide certificates of insurance to clients and regulators

• Coverage limits may be dictated by contracts, project owners, or bonding requirements
  

Nevada State Contractors Board (NSCB) Insurance & Bond Requirement

The Nevada State Contractors Board (NSCB) requires contractors to meet specific insurance and bonding requirements to obtain and maintain an active contractor’s license. Requirements vary based on license classification, payroll, and the scope of work performed.

1. Contractor License Bond

Nevada contractors are generally required to maintain a contractor license bond as part of the licensing process. The bond helps ensure compliance with Nevada laws and protects consumers from financial harm due to violations.

• Required by the Nevada State Contractors Board

• Bond amounts vary by license classification

• Must remain active to keep a license in good standing

Get a Nevada Contractor License Bond Quote

Contractors can request a Nevada contractor license bond quote using the secure form below. In many cases, bond pricing and approval are available quickly.

2.General Liability Insurance

General liability insurance is commonly required for Nevada contractors to help protect against third‑party bodily injury, property damage, and completed operations claims. Coverage limits may be determined by license type, contracts, or project requirements.

3. Workers’ Compensation Insurance

Workers’ compensation insurance is required in Nevada for contractors with employees. This coverage helps provide benefits for job‑related injuries and illnesses while helping contractors remain compliant with state labor laws.

Insurance and bonding requirements are subject to change and may vary based on license classification and business operations. Contractors should confirm current requirements with the Nevada State Contractors Board.

Types of Contractor Insurance Coverage in Nevada

General Liability Insurance

Protects Nevada contractors against third‑party bodily injury, property damage, and completed operations claims. General liability insurance is commonly required for contractor licensing and contracts.

Workers’ Compensation Insurance

Required for most Nevada contractors with employees. Workers’ comp helps cover medical expenses and lost wages resulting from job‑related injuries.

Commercial Auto Insurance

Covers vehicles used for business purposes, including trucks and vans used to transport tools, equipment, and crews across Nevada jobsites.

Contractor Bonds

License bonds and project‑specific bonds may be required by the Nevada State Contractors Board or project owners.

Builder’s Risk Insurance

Helps protect structures, materials, and supplies during construction or renovation projects throughout Nevada.

Insurance Options for Hard‑to‑Place Nevada Contractors

Not all Nevada contractors qualify for standard insurance programs. Factors such as trade type, claims history, payroll size, or multi‑state operations can make coverage more difficult to secure.

We assist Nevada contractors with hard‑to‑place risks, including:

• High‑risk construction trades

• New ventures and startups

• Contractors with prior claims or lapses in coverage

• Large or complex projects
  

Fast Certificates of Insurance for Nevada Contractors

Nevada contractors often need certificates of insurance quickly to satisfy licensing requirements, project owners, or general contractors. In many cases, certificates can be issued promptly once coverage is in place.

Serving Contractors Across Nevada

We assist contractors operating throughout Nevada, including:

• Las Vegas

• Henderson

• Reno

• Sparks

• North Las Vegas

• Carson City

• And surrounding areas
  

Get Insurance for Your Nevada Contracting Business

Whether you’re starting a new contracting business or reviewing existing coverage, speak with a licensed broker who understands construction risks and Nevada insurance requirements.

Request you General Liability Insurance Quote Now

Nevada Contractors Insurance FAQ

Is insurance required to get a Nevada contractor’s license?

Yes. Insurance requirements vary by license classification and are regulated by the Nevada State Contractors Board.

Do Nevada contractors need workers’ compensation?

Most contractors with employees are required to carry workers’ compensation insurance in Nevada.

Can you insure new or startup contractors in Nevada?

Yes. Coverage options may be available for new ventures, subject to underwriting.

Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in Nevada and other states.
Coverage availability, limits, and eligibility vary by state and carrier underwriting guidelines.