Contractors Insurance
Las Vegas contractors can lose everything from one job site accident or lawsuit. Don’t let that happen to your business.
Harris Insurance has protected Nevada builders for over 50 years because we deliver what others don’t—insurance that actually covers you when things go wrong. No loopholes. No surprises. Just reliable protection built for contractors.
Your tools get stolen? We replace them. Client sues over property damage? We defend you. Worker injured on site? We’ve got your back. From general liability to specialized coverage for your exact trade, we build insurance packages that tackle real threats to your contracting business.
Local builders choose Harris because we speak construction, not insurance jargon. We understand the difference between roofing risks and plumbing exposures, between residential and commercial project hazards.
Contact Harris Insurance today. Get covered. Stay building.
Insurance Policies for Contractors At Harris Insurance
At Harris Insurance, we’ve been providing specialized insurance solutions for Las Vegas contractors since the 1970s. We understand each contracting business has distinct needs based on your specific trade, project size, and risk exposure. Our experienced team offers these essential coverage options:
General Liability Insurance
Provides financial protection against costly lawsuits and property damage claims. Covers legal fees, medical expenses, and settlements if a customer is injured on your job site or your work causes property damage.
Workers’ Compensation Insurance
Required for contractors with employees in Nevada. Protects your business when workers are injured on the job by covering medical expenses, lost wages, and protecting you from potential employee lawsuits.
Commercial Auto Insurance
Essential coverage for contractors who use vehicles for business purposes. Protects against financial losses if your work trucks or company vehicles are involved in accidents, damaged, or cause injury to others.
Professional Liability Insurance
Safeguards contractors from claims related to errors and omissions in your work. Provides critical protection if clients allege negligence, mistakes, or failure to deliver services as promised on contracting projects.
Tools & Equipment Insurance
Protects the valuable tools and specialized equipment contractors rely on daily. Covers replacement costs if your essential work items are stolen from job sites, damaged, or lost during normal business operations.
Contractor’s Bond Insurance
Demonstrates your financial responsibility to clients and regulatory authorities. Provides guarantees that you’ll complete projects according to contract terms and comply with local building codes and regulations.
Types of Contractors Who Need Insurance Protection
At Harris Insurance, we understand that every contracting trade faces unique challenges and risks. Our specialized contractors’ insurance is designed to protect Las Vegas businesses across a wide range of construction and service sectors. We tailor coverage to match the specific hazards your business encounters daily:
Carpentry and Woodworking
From residential framing to custom cabinetry, carpentry contractors face risks from tool injuries to property damage. Our specialized coverage protects your business operations, equipment, and liability concerns.
Plumbing and Pipe Fitting
Water damage risks, tool theft, and liability for improper installations make comprehensive insurance essential for plumbing contractors serving Las Vegas properties.
Electrical Contracting
Specialized coverage for electricians addressing fire hazards, injury risks, and potential damage claims that can arise from wiring and electrical system installations.
HVAC and Climate Control
Protection for heating, ventilation, and air conditioning specialists against equipment damage, installation liability, and workplace injuries in Nevada’s extreme climate conditions.
Roofing and Exterior Work
Comprehensive coverage for contractors working at heights, facing weather exposure risks, and needing protection against material damage and potential structural claims.
Landscaping and Outdoor Services
Insurance solutions for contractors transforming outdoor spaces, protecting against property damage, equipment theft, and liability for injuries on residential or commercial properties.
Masonry and Concrete Work
Specialized protection for contractors working with heavy materials, facing structural liability concerns, and needing coverage for expensive specialized equipment.
Painting and Finishing
Coverage designed for contractors handling potentially hazardous materials, working at heights, and needing protection against property damage claims during interior and exterior finishing work.
Drywall and Interior Finishing
Tailored insurance solutions protecting contractors from dust-related claims, structural concerns, and potential damage during interior construction and renovation projects.
How Harris Insurance Makes Claims Simple
At Harris Insurance, we don't just process claims—we protect your livelihood when disasters strike. Our straightforward approach keeps your Las Vegas contracting business moving forward:
1
Easy Claim Filing: Within hours of your notification, our team mobilizes—because in construction, every day of downtime costs you money and client trust.
2
Ongoing Support: We fight for your interests against adjusters who might undervalue damage or liability claims, leveraging our century of experience to maximize your protection.
3
Expert Guidance: No insurance jargon or confusing policies—just straight talk about your coverage and claim status from specialists who understand Las Vegas building codes.
4
Rapid Resolution: When a client sues over property damage or a worker suffers injury, we ensure your business doesn't bear the crushing financial burden through efficient claim handling.
5
Always Accessible: While competitors struggle with claim complications, you'll maintain project schedules with our team ready by phone, email, or in-person whenever construction challenges arise.
Get in Touch with Harris Insurance
Contact us today to learn more about our comprehensive contractors insurance solutions for your Las Vegas business.
For more information, please contact the team at Harris Insurance. We look forward to speaking with you and addressing your insurance needs.
How is contractors insurance different from regular business insurance?
Contractors insurance is specialized coverage designed specifically for construction trades. Unlike standard business insurance, it focuses on worksite liability, tools and equipment coverage, and subcontractor relationships.
Do I need contractors insurance if I work alone?
Yes, individual contractors still face significant risks. Even small jobs can lead to property damage claims or liability issues. Contractors insurance provides financial protection against unexpected incidents.
Is contractors liability insurance required in Nevada?
In Nevada, certain types of contractors must carry minimum liability coverage to maintain their license. A comprehensive contractors insurance package exceeds the state requirements for professional contractors and their employees.
What type of contractors need insurance in Las Vegas?
All types of contractors should be protected against potential damage, injuries, or project disputes. At Harris Insurance, we can help you determine what coverage is right for your contracting business, whether you specialize in carpentry, plumbing, electrical, HVAC, roofing, landscaping, or any other trade.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are properly protected from unexpected events every step of the way.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611