Business insurance

Commercial insurance for Las Vegas businesses

Whether you run a restaurant on Lake Mead, a construction crew in Henderson, or a consulting practice from your home office, the right business insurance protects you from lawsuits, property damage, employee injuries, and the unexpected events that can shut a company down overnight.

Coverage we place for businesses

General liability (GL)

General liability is the foundation of any commercial insurance program. It protects your business against claims of bodily injury, property damage, and advertising injury caused by your operations, products, or premises. If a customer slips in your store, if your work damages a client's property, or if you're sued over a marketing claim — GL covers the defense costs and any judgment or settlement.

Commercial property

This covers the physical assets your business owns or leases — your building (if you own it), equipment, inventory, furniture, and signage. Coverage applies to fire, theft, vandalism, and other covered perils. Business income coverage (also called business interruption) can be added to replace lost revenue while your operations are shut down for repairs.

Workers compensation

Nevada law requires most employers to carry workers comp insurance. It pays for medical treatment, rehabilitation, and a portion of lost wages when an employee is injured on the job. It also protects you from lawsuits by injured employees. Even if you're a sole proprietor with no employees, workers comp may be required by the companies you contract with.

Commercial auto

If your business owns vehicles, or if employees drive their personal cars for work purposes, you need commercial auto coverage. Personal auto policies typically exclude business use — so a delivery driver, a field technician, or an employee running errands in their own car may not be covered under their personal policy if they're on the clock.

Business Owner's Policy (BOP)

A BOP bundles general liability and commercial property into a single policy, often at a lower cost than buying each separately. It's designed for small to mid-sized businesses and typically includes business income coverage as well. We recommend BOPs for retail shops, offices, restaurants, and service businesses that don't need highly customized coverage.

Industries we serve

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Construction and trades General contractors, subcontractors, electricians, plumbers, HVAC technicians, and landscapers. We place GL, workers comp, commercial auto, inland marine (tools and equipment), and contractor-specific endorsements.

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Restaurants and food service Cafes, food trucks, catering operations, and bars. We handle liquor liability, food spoilage coverage, equipment breakdown, and workers comp for kitchen staff.

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Retail and service businesses Hair salons, auto repair shops, convenience stores, and professional offices. BOP packages with tailored endorsements cover most small retail and service operations efficiently.

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Professional services Consultants, accountants, real estate agents, and technology firms. Professional liability (E&O) protects against claims of negligence, errors, or failure to deliver services as promised.

Common questions

It depends on your industry, revenue, number of employees, claims history, and coverage needs. A home-based consultant might pay $500–$1,000 per year for a basic GL policy, while a construction company with employees could pay several thousand. We provide free quotes so you can see actual numbers for your specific situation.

Yes. Being a sole proprietor means your personal assets are on the line if your business is sued. General liability coverage protects your personal savings, home, and other assets from business-related claims. Many clients and landlords also require proof of insurance before they'll work with you or lease space to you.

Absolutely. We issue certificates of insurance (COIs) for your clients, landlords, and general contractors — usually the same day you request them. If you need additional insured endorsements or waiver of subrogation, we handle those too.