Contractors Insurance in Las Vegas
Safeguarding Las Vegas Contractors with Customized Coverage
Running a contracting business in Las Vegas comes with real risks—job site injuries, property damage, client disputes, and regulatory requirements. At Harris Insurance, we specialize in Las Vegas contractors’ insurance, helping local contractors protect their businesses, employees, and livelihoods with affordable, customized coverage.
As a trusted contractor insurance broker and business insurance broker, we work with top-rated carriers to find the right protection for your trade—so you can focus on completing jobs, not worrying about what could go wrong.
Independent Las Vegas Contractor Insurance Advisor
As your insurance advisor, our team leverages deep expertise to defend your assets, support your workforce, and keep your company secure.
We Represent You
Our agency operates independently, focusing solely on your best interests rather than those of any one insurer. By collaborating with numerous leading carriers, we’re able to match Las Vegas businesses with ideal policies at competitive rates.
Access to Multiple Insurance Carriers and Plans
This approach—built on insight into Las Vegas’ economic landscape and regulations—means you never receive a generic, one-size-fits-all plan.
Local Las Vegas Expertise
Choosing a broker like us provides real advantages: impartial advice, access to a broad range of policy options, and advocacy throughout the claims process. These benefits simply aren’t available when buying directly through a single company.
Las Vegas Contractor Insurance Built for Local Trades
Every contractor faces different exposures depending on the type of work they do. Whether you’re a solo operator or managing multiple crews and subcontractors across Las Vegas, we help design policies that match your exact risks and contract requirements.
Our contractor insurance solutions are ideal for:
- General contractors
- Electricians & electrical contractors
- Plumbers & HVAC professionals
- Roofers & framing contractors
- Painters & drywall installers
- Concrete, masonry, and excavation contractors
- Specialty and subcontractors
We understand Nevada regulations, local licensing requirements, and what clients and municipalities expect contractors to carry.
Types of Contractors’ Insurance We Offer in Las Vegas
As an experienced insurance broker, Harris Insurance offers access to a full range of contractor-focused policies:
General Liability Insurance
Protects your business against third-party claims for bodily injury, property damage, and completed operations—often required to bid on or secure jobs.
Workers’ Compensation Insurance
Required for most Nevada contractors with employees. Covers medical expenses and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Covers trucks, vans, and work vehicles used for business operations throughout Las Vegas and the surrounding areas.
Builders Risk Insurance
Protects structures under construction from fire, theft, vandalism, and weather-related losses.
Tools & Equipment Coverage
Safeguards valuable tools and equipment whether they’re on a job site, in transit, or stored overnight.
Surety Bonds
Includes contractor license bonds, bid bonds, performance bonds, and payment bonds commonly required for public and private projects.
Why Choose Harris Insurance as Your Contractor Insurance Broker?
Choosing the right business insurance broker can make all the difference when it comes to coverage, pricing, and claims support. Contractors across Las Vegas trust Harris Insurance because we offer:
- Local Las Vegas expertise
- Fast quotes from multiple carriers
- Coverage tailored to your trade and job size
- Competitive pricing for new and established contractors
- Ongoing support as your business grows
We don’t believe in one-size-fits-all policies. Instead, we help contractors secure coverage that actually works when they need it most.
Contractors Insurance for Small & Growing Businesses
If you’re a startup contractor or small business owner, getting insured properly from day one is critical. We help small contractors avoid gaps in coverage, stay compliant, and build insurance programs that scale as they take on larger projects.If you’re a startup contractor or small business owner, getting insured properly from day one is critical. We help small contractors avoid gaps in coverage, stay compliant, and build insurance programs that scale as they take on larger projects.
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Business Review & Risk Assessment: We start by learning the ins and outs of your company.
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Insurance Market Comparison: We compare multiple trusted companies to secure the ideal blend of coverage and price.
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Tailored Policy Recommendations: Receive clear, individualized advice designed around your objectives. Receive clear, individualized advice designed around your objectives.
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Continued Service: Our team stays with you for renewals, claims, and updates—support you can rely on long term.
Contractors’ insurance is a group of policies designed to protect your business from job site injuries, property damage, lawsuits, and regulatory requirements. In Las Vegas, many clients, municipalities, and licensing boards require contractors to carry specific coverage—making insurance essential for both legal compliance and business protection.
Yes. Most contractors in Nevada are required to carry workers’ compensation insurance if they have employees. Additionally, general liability insurance and contractor license bonds are often required to obtain or maintain a Nevada contractor’s license and to bid on jobs.
The cost depends on several factors, including: type of trade, business size and payroll, years of experience, claims history, coverage limits, and policy types. At Harris Insurance, we compare multiple carriers to find affordable coverage that fits your business—not a one-size-fits-all policy.
Almost all contractors benefit from general liability insurance, including: general contractors, electricians, plumbers & HVAC professionals, roofers and framers, painters and drywall contractors, and concrete, masonry, and excavation contractors. General liability is often required by clients before work can begin.
Get a Fast Contractors Insurance Quote in Las Vegas
Protect your contracting business with coverage designed by a local insurance broker who understands your industry. Whether you need proof of insurance quickly or want a full policy review, we’re here to help.