Nevada Contractor General Liability Insurance

Protect your business, stay compliant, and win more projects with dependable coverage.

If you're a Nevada contractor, general liability insurance is a smart investment. General liability insurance protects your business against third-party claims for property damage, bodily injury, and legal expenses resulting from your work. Most clients—including homeowners, general contractors, and commercial property owners—will also require proof of coverage before awarding you a job.

General Liability Insurance Application

Why Contractors Need General Liability Insurance in Nevada

Today's clients—property owners, general contractors, municipalities, and developers— increasingly require proof of contractor liability insurance in Nevada before awarding contracts. Without coverage, you risk losing out on valuable projects or being held personally responsible for property damage or injury claims.

CCIS makes it simple for you to meet these requirements. Once you purchase your Nevada construction liability insurance policy, we'll provide a Certificate of Insurance for your clients. Need someone listed as an "Additional Insured"? We can add endorsements to your policy quickly upon request.

What General Liability Insurance for Nevada Contractors Covers

General liability insurance for Nevada contractors protects your business from a range of third-party claims, including:

• Bodily Injury: Injuries to non-employees caused by your business operations.
• Property Damage: Accidental damage to property owned by others during construction.
• Products and Completed Operations: Claims arising after your work is finished, for jobs completed during your policy period.
• Medical Payments: Immediate medical costs for accidental injuries on the jobsite.
• Personal and Advertising Injury: Coverage for claims such as libel, slander, or copyright infringement—less common but included.

Examples include:

• Slip and fall accidents at a jobsite
• Damage to a client's property during your work
• Third-party bodily injury claims
• Advertising injury claims

What Does Nevada Contractor General Liability Insurance Cost?

The cost of Nevada contractor general liability insurance depends on your trade, payroll, subcontractor costs, gross receipts, and business location.

To give you an idea, here are some average policy ranges:

*Prices shown are for a one year term and based on several factors including, but not limited to, classification, payroll, subcontractor costs, gross receipts and location. Rates do not constitute an offer of coverage and are subject to change at any time. Rates may fall outside average ranges shown here due to exceptional risk factors.

Insurance carriers may also consider credit score, claims history, experience, policy age, and more. Additional coverages, deductibles, taxes, and exclusions can also impact your premium.

Understanding Claims and Policy Types

There are two types of general liability insurance for Nevada contractors:

• Occurrence-Based: Covers incidents that happen during your policy period, no matter when the claim is reported. This is the most widely accepted and recommended option.
• Claims-Made: Covers claims only if both the incident and the claim filing happen while your policy is active. These are often not accepted by project owners.

When a claim is filed, your insurance company will defend you and pay legal costs and damages up to your policy limits. You will only need to cover your deductible.

General Liability Coverage for All Types of Nevada Contractors

CCIS helps a wide range of Nevada construction professionals secure Nevada contractor general liability insurance that meets client and legal requirements, including:

• General Contractors (residential and commercial)
• Electricians
• Painters and drywall contractors
• Concrete and masonry specialists
• Plumbers
• Roofers
• HVAC technicians
• Carpenters and framers
• Landscapers and tree service contractors
• Remodelers and home improvement professionals

Each trade faces distinct risks—our Nevada construction liability insurance advisors will help you find the right policy for your needs without paying for unnecessary extras.

Frequently Asked Questions: Nevada Contractor General Liability Insurance