Pen-and-ink Nevada scene: a building going up in wood framing, with desert hills behind.

Nevada general contractor insurance

building in
Nevada? here’s
what you need.

The license, the bond and the coverage owners and lenders ask for.

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MARKETS WE PLACE THROUGH

the short answer

Nevada general contractors need a State Contractors Board license, in the A general engineering or B general building branch, plus a bond the Board sets and workers’ comp from their first employee. The state doesn’t require general liability, but owners and lenders usually ask for it.

what Nevada requires.

The rules that come with a general contractor license here.

License: A general engineering or B general building. Each license carries a monetary limit on the size of a single job.
Bond: Required. The Board sets the amount when it approves your license, from $1,000 to $500,000, based on your license type, job size limit, finances and track record.
how Nevada bonds work
Workers’ comp: Required from your first employee. The Board asks for proof at every renewal.
General liability: No state rule. Your contracts set the limits.

Sources: Nevada State Contractors Board, NRS 624.215, NRS 624.220, NRS 624.270, NRS 624.256. Last reviewed September 2026.

what your customers will ask for.

Tap a coverage to see what it does on a building job and who asks for it.

What it covers

general liability.

Damage to someone else’s property or injuries to people who aren’t your employees, like a visitor hurt on your jobsite.

Who asks: Owners, lenders and GCs above you, usually with additional insured wording.

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what’s different about
building in Nevada.

A or B, not both.
Nevada splits general contracting into general engineering (A) and general building (B), and the two branches don’t overlap. Know which one you hold before you bid.
Your subs are your risk.
When a sub without insurance causes a claim, it can land on your policy. Collect a certificate from every sub before work starts.

good to know.

Straight answers for Nevada general contractors.

What license does a general contractor need in Nevada?

A Nevada State Contractors Board license in the A general engineering or B general building branch, and the two don’t overlap. The Board looks at your experience and finances, and it sets a limit on the size of each job you can take. Buying more insurance doesn’t raise that limit.

Do Nevada general contractors need general liability insurance?

Not to hold a license. Nevada’s contractor law doesn’t require it. In practice, owners, lenders and GCs above you ask for it before work starts, often with set limits and additional insured wording. Without it, one jobsite injury or property damage claim can land on the business directly.

Do Nevada general contractors need workers’ comp?

Yes, once you have an employee. Nevada requires employers to carry workers’ comp from the first employee, and the Board asks for proof every time a license is issued or renewed. Owners with no employees file a sworn statement instead. Ask every sub for its own comp certificate before work starts, too.

Sources: Nevada State Contractors Board, NRS 624.215, NRS 624.220, NRS 624.256. Last reviewed September 2026.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations