Contractor Insurance in Las Vegas, Nevada

The Nevada State Contractors Board (NSCB) itself requires a contractor license bond and workers compensation (if you have employees) — general liability is not an NSCB licensing requirement. In practice, though, virtually every Las Vegas GC, property owner, casino property manager, and public agency requires proof of GL before you can set foot on a job site. Most contracts call for $1M per occurrence / $2M aggregate at minimum; commercial and gaming-property projects often require $2M/$4M or higher.

The NSCB requires all licensed contractors to carry a contractor's license bond. The bond amount is set by the Board based on your license classification and monetary limit, typically ranging from $1,000 to $500,000. The premium you actually pay is usually 1%–3% of the bond amount per year for well-qualified applicants. Altamira places NSCB bonds same-day for all license classes, including fast online bonding for qualifying licenses.

General liability insurance for most small-to-mid Las Vegas contractors runs $700 to $3,500 per year for $1M/$2M limits, depending on your trade, annual revenue, payroll, and claims history. High-risk trades like roofing, demolition, and structural work carry higher premiums, and contractors on commercial, casino, or public works projects typically need higher limits. As an independent broker, Altamira shops multiple carriers to find the most competitive rate for your specific trade and operations.

Yes. Nevada law requires all employers with one or more employees to carry workers compensation insurance. There is no minimum number of hours worked. Sole proprietors without employees may waive coverage for themselves but must cover any employees they hire. Failure to carry required workers comp can result in significant fines and personal liability.

We write contractors across the entire Las Vegas Valley and Clark County: Las Vegas, Henderson, North Las Vegas, Summerlin, Spring Valley, Paradise, Enterprise, Whitney, Sunrise Manor, Boulder City, and Mesquite — plus contractors throughout Nevada including Reno, Sparks, Carson City, Pahrump, and Laughlin. We also handle cross-border programs for contractors working between Nevada, Utah, Arizona, and California.

Yes. Casino properties and large hospitality projects require certificates with specific additional insured language, primary and noncontributory wording, and waiver of subrogation. We issue COIs the same business day with the language casino legal teams and Clark County public works departments expect to see.

Yes. We place coverage for every trade working in the Las Vegas Valley — electricians, plumbers, HVAC techs, framers, drywallers, painters, tile setters, landscapers, handymen, and more — plus harder-to-place classes like roofing, demolition, pool construction, and fire/water restoration that many carriers decline. Premiums vary significantly by trade; see our Las Vegas contractor insurance guide for typical cost ranges.