Insurance for Nevada Contractors — Built for the Silver State
From the Las Vegas Strip's billion-dollar resort projects to Reno's tech-driven Tahoe Reno Industrial Center, Nevada contractors operate in one of the nation's fastest-growing construction markets. NSCB licensing, NRS 40 defect exposure, gaming industry mandates, and desert climate risks all require coverage structured specifically for this market.
Nevada's Regulatory Landscape
The NSCB, NRS 616B, NRS 40, and gaming industry mandates create a compliance framework that directly impacts your insurance requirements in the Silver State.
Nevada State Contractors Board (NSCB)
The NSCB licenses and regulates all contractors performing work exceeding $1,000 in labor and materials. Nevada requires a contractor license bond ($1,000–$300,000 based on license limit), proof of workers' compensation, and financial statements reviewed by NSCB staff. Operating without an active NSCB license is a gross misdemeanor with fines up to $10,000 per violation and potential imprisonment.
NRS 616B Workers' Compensation Requirements
Nevada requires workers' compensation for all employers under NRS 616B, with no exceptions for small employers. Unlike the former SIIS monopoly, employers now choose between private carriers, self-insurance, or the State Industrial Insurance System successor. Penalties for non-compliance include stop-work orders, fines up to $15,000 per employee, and personal liability for all injury costs.
NRS 40 Construction Defect Framework
Nevada's NRS 40 governs construction defect claims with a detailed pre-litigation process requiring the claimant to serve a notice of defect, allow inspection, and provide opportunity to repair. The statute of repose is 6 years for residential and 10 years for latent defects. Nevada's construction defect reform (AB 125) tightened standing requirements, but contractors still face significant completed operations exposure on the Strip and residential subdivisions.
Gaming & Hospitality Industry Requirements
Las Vegas Strip and resort corridor contractors must meet casino owner insurance mandates that far exceed standard requirements — $5M–$10M GL limits, controlled insurance programs (OCIP/CCIP), NRS 603A cyber compliance for access to gaming systems, and pre-qualification through Avetta, ISNetworld, or owner-specific portals. These requirements apply equally to MEP, finish, and specialty contractors.
Why Nevada Contractors Choose Us
Nevada construction isn't California construction with casinos. The NSCB regulatory framework, gaming industry requirements, desert exposures, and NRS 40 defect liability are fundamentally different. We understand the distinctions.
- NSCB licensing requires specific insurance documentation and bond amounts tied to your license limit — we ensure your coverage meets every NSCB requirement for initial licensing and renewals
- Nevada's gaming and hospitality construction demands $5M–$10M GL limits, OCIP/CCIP enrollment, and vendor pre-qualification that standard contractor policies don't address
- NRS 603A cyber security requirements affect any contractor with access to casino patron data, gaming systems, or resort guest information — we structure compliant cyber coverage
- NRS 40 construction defect exposure creates 6–10 year completed operations liability on residential and commercial projects — maintaining proper GL tail coverage is critical
- Desert climate extremes, rapid growth, and a transient construction workforce create workers' comp challenges unique to the Nevada market — from heat illness to long commute exposures
Nevada Coverage Checklist
- General Liability (CGL) — $1M/$2M standard, $5M–$10M for Strip/casino projects
- Workers' Compensation — Mandatory for all NV employers under NRS 616B
- Contractor License Bond — Required by NSCB ($1K–$300K by license limit)
- Commercial Auto — For fleet vehicles and equipment transport
- Builder's Risk — Desert wind, flash flood, and extreme heat exposure
- Inland Marine — Tools, equipment, and materials in transit
- Umbrella/Excess — Higher limits for gaming, resort, and infrastructure projects
- Cyber Liability — NRS 603A compliance for gaming system access
- Pollution Liability — Renovation, demolition, and environmental work
Serving Contractors Across Nevada
From the Las Vegas Valley to the Reno-Tahoe corridor, we provide localized coverage for contractors in every major Nevada market.
Las Vegas Cyber Insurance
NRS 603A compliance, gaming security, wire fraud protection
Las Vegas Workers' Comp
NRS 616B, NSCB compliance, Strip pre-qualification
Las Vegas General Liability
NRS 40 defect framework, casino GL mandates
Nevada Contractor Bonds
NSCB license bonds, bid bonds, performance bonds
Reno Cyber Insurance
TRIC data centers, tech corridor, NRS 603A
Las Vegas Contractor Bonds
Strip bid bonds, Clark County performance bonds
Las Vegas Builder's Risk
Desert climate, flash flood, Strip high-rise
Las Vegas Commercial Auto
Nuclear verdicts, I-15 corridor, fleet coverage
Nevada Tools & Equipment
Inland marine, theft prevention, transit coverage
Coverage Available in Nevada
Nevada Contractor Insurance FAQ
Does Nevada require contractors to carry insurance?
Yes. The Nevada State Contractors Board (NSCB) requires proof of workers' compensation coverage and a contractor license bond before issuing or renewing a license. While general liability isn't specifically mandated by state law, virtually every GC, developer, casino, and project owner requires GL before you can work. NSCB bond requirements range from $1,000 to $300,000 based on your license monetary limit.
What is the NSCB and how does it affect contractor insurance?
The Nevada State Contractors Board (NSCB) licenses and regulates all contractors in the state. NSCB requires a contractor license bond (amount varies by license limit), proof of workers' compensation, and financial responsibility documentation. License categories include A-General Engineering, B-General Building, and C-Specialty, each with specific insurance requirements. Operating without an active NSCB license is a gross misdemeanor.
What special insurance do Las Vegas Strip contractors need?
Strip construction requires GL limits of $5M–$10M (through umbrella or excess), enrollment in OCIP/CCIP wrap-up programs for major projects, NRS 603A-compliant cyber coverage for gaming system access, commercial auto with hired/non-owned coverage, and workers' comp with EMR below 1.0 for pre-qualification. Casino owners verify coverage through Avetta, ISNetworld, or proprietary portals.
How does NRS 40 affect my construction liability in Nevada?
NRS 40 establishes Nevada's construction defect framework with a pre-litigation notice, inspection, and repair process. The statute of repose is 6 years for residential defects and 10 years for latent defects. Contractors must maintain products-completed operations coverage for the full exposure period. AB 125 reforms tightened standing requirements, but residential and commercial defect claims remain a significant exposure — especially in Nevada's rapid-growth housing developments.
Is workers' comp mandatory for all Nevada contractors?
Yes. Under NRS 616B, all Nevada employers must carry workers' compensation coverage with no small employer exemptions. This replaced the former State Industrial Insurance System (SIIS) monopoly — employers now choose between private carriers, self-insurance (if qualified), or the successor state fund. Penalties for non-compliance include stop-work orders, fines up to $15,000 per uninsured employee, and personal liability for all injury costs. NSCB verifies workers' comp status as part of license renewal.
Nevada Contractor? Let's Talk.
Get a free, no-obligation quote from insurance specialists who understand Nevada's NSCB requirements, gaming industry mandates, and Silver State construction exposures.
Construction Pros Insurance Services is a DBA of OIGCP Inc.