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Nevada · industrial insurance
Licensed in Nevada. What the Board asks of every trade.
The Contractors Board sets your classification, a monetary limit on every license, and a bond fixed per license. Industrial insurance starts with the first employee. Here are the facts every Nevada contractor shares, with sources, and the page for your trade.
The classification, the limit, and the bond, sourced- One page per fact, shared by every trade
- Licensed to place coverage and bonds in Nevada
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
What does Nevada require of a licensed contractor, whatever the trade?
Four things, and they are the same for every trade the Board licenses. A classification that sets the scope of work, with the class following the trade. A monetary limit on the license, the largest contract you may undertake on one site for one client, raised on application with evidence. A license bond, surety or cash deposit, that the Board fixes for each license to the contractor’s financial responsibility and the size of the operation. And industrial insurance, Nevada’s name for workers’ comp, with the first employee, with construction treated strictly. The trade pages say what each trade adds.
How workers’ comp works for any business→Markets we place through.
The Nevada facts.
What every licensed trade in Nevada shares, each with its source below.
Workers’ comp in Nevada.
Nevada calls it industrial insurance and requires it with the first employee. Construction gets strict treatment, which we review with you.
Alabama
Generally required once an Alabama employer has 5 or more employees.
We confirm what applies when you start.
Alaska
Generally required in Alaska with 1 or more employees.
We confirm what applies when you start.
Arizona
Generally required in Arizona with 1 or more employees.
We confirm what applies when you start.
Arkansas
Generally required in Arkansas with 3 or more employees.
We confirm what applies when you start.
California
Generally required in California with 1 or more employees.
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Colorado
Generally required in Colorado with 1 or more employees.
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Connecticut
Generally required in Connecticut with 1 or more employees.
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Delaware
Generally required in Delaware with 1 or more employees.
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Florida
Generally required in Florida with 4 or more non-construction employees, or 1 or more construction employees.
We confirm what applies when you start.
Georgia
Generally required in Georgia with 3 or more employees.
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Hawaii
Generally required in Hawaii with 1 or more employees.
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Idaho
Generally required in Idaho with 1 or more employees.
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Illinois
Generally required in Illinois with 1 or more employees.
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Indiana
Generally required in Indiana with 1 or more employees.
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Iowa
Generally required in Iowa with 1 or more employees.
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Kansas
Generally required in Kansas when annual gross payroll exceeds $20,000.
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Kentucky
Generally required in Kentucky with 1 or more employees.
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Louisiana
Generally required in Louisiana with 1 or more employees.
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Maine
Generally required in Maine with 1 or more employees.
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Maryland
Generally required in Maryland with 1 or more employees.
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Massachusetts
Generally required in Massachusetts with 1 or more employees.
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Michigan
Michigan generally requires coverage for employers with 3 or more employees, or 1 employee working at least 35 hours a week for 13 weeks or longer.
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Minnesota
Generally required in Minnesota with 1 or more employees.
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Mississippi
Generally required in Mississippi with 5 or more regular employees.
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Missouri
Generally required in Missouri with 5 or more employees, or 1 or more employees for a construction business.
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Montana
Generally required in Montana with 1 or more employees.
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Nebraska
Generally required in Nebraska with 1 or more employees.
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Nevada
Generally required in Nevada with 1 or more employees.
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New Hampshire
Generally required in New Hampshire with 1 or more employees.
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New Jersey
Generally required in New Jersey with 1 or more employees.
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New Mexico
Generally required in New Mexico with 3 or more employees; construction employers generally need coverage with 1 or more.
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New York
Virtually all New York employers must provide coverage when they have 1 or more employees.
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North Carolina
Generally required in North Carolina with 3 or more employees.
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North Dakota
Generally required in North Dakota before employing 1 or more employees.
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Ohio
Generally required in Ohio with 1 or more employees.
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Oklahoma
Generally required in Oklahoma with 1 or more employees.
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Oregon
Generally required in Oregon with 1 or more employees.
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Pennsylvania
Generally required in Pennsylvania with 1 or more employees.
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Rhode Island
Generally required in Rhode Island with 4 or more employees.
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South Carolina
Generally required in South Carolina with 4 or more regular employees.
We confirm what applies when you start.
South Dakota
South Dakota does not generally require private employers to carry workers’ compensation coverage.
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Tennessee
Generally required in Tennessee with 5 or more employees; construction and coal-mining employers generally need coverage with 1 or more.
We confirm what applies when you start.
Texas
Most Texas private employers can choose whether to carry workers’ compensation coverage.
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Utah
Generally required in Utah with 1 or more employees.
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Vermont
Generally required in Vermont with 1 or more employees.
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Virginia
Generally required in Virginia when an employer regularly has more than 2 employees.
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Washington
Generally required in Washington with 1 or more employees.
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West Virginia
Generally required in West Virginia with 1 or more employees.
We confirm what applies when you start.
Wisconsin
Wisconsin generally requires coverage at 3 or more employees, or after paying $500 or more in combined gross wages in a calendar quarter.
We confirm what applies when you start.
Wyoming
Generally required in Wyoming for employees working in covered industries.
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District of Columbia
Generally required in Washington, DC with 1 or more employees.
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What changes the answer in Nevada.
Four things a Nevada contractor brings that a contractor elsewhere does not.
The class follows the trade, and the subclass follows the work. It tells us what to quote and what the underwriter asks, and your trade’s page lists the classes side by side.
It does not change what insurance you carry. It changes what general contractors and underwriters expect, so when it moves, the coverage review should too.
Read from the license record, not a table. Placed alongside the coverage, not instead of it.
The first employee triggers industrial insurance, and construction gets strict treatment. The facts decide who counts.
Riza’s read
How we handle it.
We are licensed to place coverage in Nevada, personally and as an agency. Before a quote we confirm your classification and monetary limit against the Board record, read the bond amount the Board fixed for your license, and check the industrial insurance trigger against how your crew is actually paid. The facts on this page are read from the statute, the regulation, and the Board’s handbook on the dates shown in the sources.
We do not tell you which class to hold, we do not interpret the statute for your situation beyond what it plainly says, and we do not have an office in Nevada. We place the coverage and the bond from where we are, and we answer the phone.
Nevada guides.
The facts every trade shares, one page each.
Nevada, by trade.
What your trade adds on top of the shared facts: the classes, the work, and the coverage.
Trade
Plumbing in Nevada→The C-1 classification and its subclasses, the limit, the bond, and industrial insurance, in a plumber’s words.Trade
HVAC in Nevada→The refrigeration and air conditioning classification, the limit, the bond, and industrial insurance, for HVAC shops.Trade
Electrical in Nevada→The electrical classification, the limit, the bond, and industrial insurance, for electrical contractors.Sources.
- 01NAC 624.190 · Classification C-1, plumbing and heating contracting, and its subclassificationsNevada Legislature · read 2026-09-10↗
- 02NRS 624.220 · Monetary limit on a contractor’s licenseNevada Legislature · read 2026-09-10↗
- 03NRS 624.270 · Bond or deposit: requirements, amount, conditionsNevada Legislature · read 2026-09-10↗
- 04Nevada State Contractors Board handbook (NRS and NAC chapter 624)Nevada State Contractors Board · read 2026-09-10↗
Plain answers before the next job.
What Nevada contractors ask, whatever the trade.
Does the Contractors Board require general liability to get licensed?
The Board’s licensing conditions, as its handbook and the statute state them, are the classification, the monetary limit, the license bond or cash deposit, and industrial insurance once you have employees. General liability is not named as a condition of the license. It is required by almost every general contractor, property owner, and landlord you work for, and most licensed contractors carry it for that reason, which is a contract requirement rather than a license requirement. What changes the answer is who you work for, so read the insurance exhibit before the bid.
How is the Nevada bond amount set?
Not from a public table. Under NRS 624.270 the Board fixes the amount for each license, within the range the statute sets, to the contractor’s financial responsibility and the magnitude of the operations, and it can be a surety bond or a cash deposit in the same amount. Two contractors in the same trade can carry different bonds, and a contractor in two trades can carry two. The amount is on the license record, which is where we read it from. What changes the answer is the Board’s view of your finances and your volume, so the bond guide on this page explains what it weighs.
What is a monetary limit, and does it change my insurance?
The monetary limit is the largest contract you may undertake on one site for one client, set by the Board on every Nevada license under NRS 624.220 and raised on application with financial evidence. It does not change what insurance you must carry. It changes what general contractors and underwriters expect: a contractor with a large limit is bidding larger work, and the limits, the umbrella question, and the certificate requests follow. What changes the answer is a raised limit, so when yours moves, the coverage review should move with it rather than a year later at renewal.
Do I need industrial insurance with one helper?
Nevada calls workers’ comp industrial insurance, and it is required with the first employee. Construction gets strict treatment, so a helper who works your schedule, drives your van, and uses your tools looks like an employee to the state whatever the invoice says, and a subcontractor without a certificate of their own coverage can be treated the same way. Owners can elect in or out, and the election sits on the record. What changes the answer is how the helper actually works, so we review that with you before the quote rather than after a claim.
Can Riza place coverage and bonds in Nevada?
Yes. Riza is licensed in Nevada as an agency and personally, and places both the coverage and the license bond from where we are. We do not have a Nevada office and do not claim one; we read the Board record, the statute, and the regulation, and place the program through the markets on this page. What changes the answer is nothing about your trade, since the license, the limit, the bond, and the placement work the same way for every classification the Board issues.
Which page is for my trade?
This page carries the facts every Nevada contractor shares. Your trade’s Nevada page carries what your trade adds: the classification and subclasses for the work, the operations the underwriter asks about, and the coverage in your trade’s words. Plumbing is live, and the other trades follow on the same template as they publish. If your trade is not listed yet, the shared facts here still apply, and the quote path works for any classification the Board issues. What changes the answer is the trade, so pick it below and the rest of the site follows.
Licensed in Nevada? Start here.
Nevada rules, national coverage, one broker, for every trade.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET