General Contractor Insurance in Nevada
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Why do Nevada general contractors require insurance?
Construction sites can be hazardous places to work. A simple accident could create an expensive liability issue for your small businesses, regardless of whether you are working on residential or commercial projects. Insurance for contractors can safeguard your Nevada business against mishaps and delays.
The term “contractor insurance” can be used to refer to the various types of coverages that general contractors may select, such as:
- General Liability insurance
- Business Owner’s Policy
- Workers’ Compensation insurance
Find out how BizInsure helps you locate the most suitable contractor insurance for your Nevada business.
Who needs contractor insurance in Nevada?
Contractors often purchase insurance policies to protect their business and personal finances. General Liability Insurance and other types of insurance provide you with an essential safety net to protect your company and you.
Certain types of insurance may be required for certain customers (and this is usually written in business contracts).
Choose your profession below to learn more about your options for insurance and start a customized quote insurance quote.
What are the common insurance policies available to contractors in Nevada?
Nevada tradespeople are usually interested in different types of insurance for contractors. These insurance policies can help you to manage the most common risks that contractors face while working.
General Liability insurance
Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.
Business Owner’s Policy
A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.
Workers’ Compensation insurance
Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace. Nevada law states that all businesses which have one or more employees are required to carry Workers’ Compensation coverage.
What does Nevada contractors’ insurance cover?
Contractors’ insurance can protect your business and you from a variety of risks. Depending on what type of insurance you select your business could be protected against:
- Property damage and third-party injury claims
- Unexpected business disruptions (Business Owner’s Policy)
- Equipment breakdown (Business Owner’s Policy)
- Employee workplace injuries and illnesses(Workers’ Compensation)
What is the cost of contractors insurance in Nevada?
You may not be aware of the amount Nevada contractor insurance is if you are just beginning your journey.
The cost of business insurance varies due to the fact that insurance companies consider a variety of aspects to decide on the cost of each premium. The cost of your business will depend on factors such as:
- The kind of insurance you want
- Size of your business (annual revenue)
- How many individuals will be covered by the policy?
- Your claims history
- The amount of coverage you prefer
How BizInsure helps Nevada contractors safeguard their businesses
BizInsure provides a straightforward method to insure business that contracts.
You can obtain multiple estimates in less than 10 minutes and select the most suitable coverage for your budget and requirements. You will receive your policy documents immediately via email.
Compare multiple quotes now to determine the most suitable policy to protect your Nevada general contractor company.
Learn more about insurance for general contractors in the states where you work.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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