Contractor Insurance
in Nevada
Same-day certificates. Flexible plans. Fast, no-hassle coverage.
Whether you’re a general contractor in Las Vegas or a handyman in Reno, we help you get the right insurance at the right price—without the runaround.
Why Nevada Contractors Choose ACI
Local Expertise
We understand Nevada’s licensing, bond, and insurance requirements so you stay compliant.
Same-Day Certificates
Get fast proof of coverage to start jobs without delay.
Flexible Payment Plans
Secure the protection you need with budget-friendly down payments.
Bundled Savings
Combine multiple policies and save up to 25% on total premiums.
Insurance Coverage We Offer in Nevada
Every contractor’s risk profile is different. That’s why we offer flexible, state-compliant policies tailored to your trade, crew size, and budget.
- General Liability Insurance
Protects your business from third-party claims of property damage or bodily injury—essential for licensed Nevada contractors.
- Workers’ Compensation Insurance
Covers medical expenses and lost wages if an employee gets hurt on the job. Required for contractors with one or more employees.
- Commercial Auto Insurance
Provides coverage for business vehicles—whether it’s a single truck or a fleet hauling tools, materials, or crews.
- Tools & Equipment Insurance
Covers repair or replacement costs if your gear is stolen, damaged, or lost—on the jobsite, in transit, or in storage.
- Builder’s Risk Insurance
Protects structures under construction from fire, theft, weather damage, and more. Often required for new builds and renovations.
- Professional Liability Insurance
Also known as Errors & Omissions (E&O), this policy protects you from claims related to design flaws, advice, or project oversight.
Who We Cover in Nevada
Whether you’re a one-person crew or manage a growing team, we insure a wide range of licensed and unlicensed contractors across the state.
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
No matter your trade or crew size, ACI delivers contractor coverage that fits your Nevada business—top to bottom.
How Much Does Contractor Insurance Cost in Nevada?
Monthly premiums vary based on your business size, trade, and risk profile. Here are the common factors that can impact your cost:
Cost Factors
- Type of Work
High-risk trades like roofing usually pay more.
- Number of Employees
More payroll = higher workers’ comp premiums.
- Coverage Limits
Higher limits increase your premium.
- Business History
Longer track record often leads to lower rates.
- Claims History
Fewer past claims = better pricing.
Want to know what your coverage will actually cost? Let’s break it down for you.
Nevada Contractor Insurance Requirements
Understand what Nevada law requires so you can stay licensed and protected.
Contractor License Bond
Nevada law requires contractors to post a bond ranging from $1,000 to $500,000 based on license type and bid limits. The exact amount is set by the Nevada State Contractors Board (NSCB).
General Liability Insurance
Not required statewide, but often needed to qualify for a license, bid on jobs, or work with commercial clients.
Workers’ Compensation Insurance
Mandatory for businesses with one or more employees. Sole proprietors without employees may be exempt but could still be asked to provide coverage by clients.
Commercial Auto Insurance
Required if your business uses vehicles for work—especially if the vehicles are titled under your company name.
Requirements vary by trade and location. For tailored advice, request a custom quote.
Get a Free Contractor Insurance Quote
in Nevada
No guesswork. No delays. Just fast, tailored coverage from experts who know Nevada contracting inside and out.