Contractor Insurance in Reno, 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, virtually every Reno GC, property owner, and public agency requires proof of GL before you can start work. Most contracts call for $1M per occurrence / $2M aggregate at minimum, and larger commercial projects in the Reno-Sparks industrial corridor often require more.

The NSCB requires all licensed Nevada 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 qualified applicants. Altamira places NSCB bonds same-day for all license classes.

Most small-to-mid Reno contractors pay between $700 and $3,500 per year for $1M/$2M general liability, depending on trade, revenue, payroll, and claims history. Northern Nevada rates are generally comparable to Las Vegas, with high-risk trades like roofing and demolition priced higher. As an independent broker, Altamira shops multiple carriers to find the most competitive rate for your trade.

Yes. Nevada law requires all employers with one or more employees to carry workers compensation insurance — there is no minimum number of hours worked. Nevada is a competitive workers comp market, so multiple private carriers bid for your business. Sole proprietors without employees may waive coverage for themselves but must cover anyone they hire.

We write contractors across Reno, Sparks, Carson City, Washoe County, Douglas County, Lyon County, Storey County (including the Tahoe-Reno Industrial Center), Fernley, Fallon, Minden, Gardnerville, and the Lake Tahoe communities. We also handle cross-border programs for contractors working between Nevada and California — common for Tahoe-area trades.

Yes. Large industrial and data-center projects at TRIC and across the I-80 corridor typically require higher liability limits ($2M/$4M or more), umbrella coverage, and specific additional insured language. We structure those programs and issue certificates same-day with the wording GCs and project owners require.