Commercial Insurance Brokers in Nevada

Andrew Hallworth holds Nevada producer license #3975709 and works with contractors and businesses statewide, including Las Vegas, Henderson and Reno, from our Georgetown, Texas office.

Get a Nevada Quote

Insurance for Nevada Contractors and Businesses

Nevada is strict on workers' comp and gives its Contractors Board a say in your bond. Getting either one wrong can stop a job or put your business on the hook for a claim.

As an independent brokerage, we compare more than 100 carriers to fit coverage to the work you actually do, then get you the certificates you need to start the job.

Coverage for Nevada Businesses

Workers' Compensation

Mandatory for employers with one or more employees, unless a statute excludes them. Nevada's private carriers compete on price, so shopping the market matters.

Fines up to $15,000, plus premium penalties
The state can order a business closed until it is insured
Proof of coverage must be produced within 24 hours for temporary worksites

Contractor License Bonds

The Nevada State Contractors Board sets your bond when it approves your license, based on factors such as license type, monetary limit, finances and experience.

Bond amounts range from $1,000 to $500,000
Residential pool and spa contractors have a separate consumer bond

General Liability

Coverage for third-party injury and property damage claims, with limits and endorsements set to match what your project contracts require.

Commercial Auto

Coverage for work trucks, vans and fleets, plus hired and non-owned auto. Nevada's minimum liability limits are 25/50/20, and contracts often require more.

Why Your Subcontractors' Coverage Matters in Nevada

If a subcontractor's employee is hurt and the sub has no workers' comp, the principal contractor can be responsible for the actual cost of the claim plus administrative fees. A licensed contractor can even be treated as the employer of its subs and their employees as a matter of law.

Protect yourself with written subcontracts that require coverage, and get proof of that coverage before the sub starts. We can help you set up what to ask for on certificates and carry the right coverage on your own policy.

Frequently Asked Questions

Is workers' comp required in Nevada?

Yes, for an employer with one or more employees unless a statute excludes them. Employers without it face fines up to $15,000, premium penalties and a possible order to close until insured, and they are responsible for the costs of a work injury.

How much is a Nevada contractor license bond?

The Nevada State Contractors Board sets the bond amount, from $1,000 to $500,000, when it approves your license. It considers your license type, monetary limit, financial responsibility and experience. What you pay for the bond depends largely on your credit and finances.

Are you located in Nevada?

Andrew Hallworth holds Nevada producer license #3975709 and works with Nevada clients remotely from our office in Georgetown, TX. You can reach him directly at (951) 972-8089.

Related coverage

Official sources

Written by Andrew Hallworth, Hallworth Insurance Services LLC, 101 Cooperative Way, Ste 510, Georgetown, TX 78626. Last reviewed November 2026.

This page is general information, not legal advice. Requirements change and coverage depends on your policy, so confirm the details for your business with us.

Ready to Protect Your Nevada Business?

Tell us about your work and we'll compare carriers and walk you through your options.

Get a Nevada Quote