You’ve been dreaming of transforming your outdated, cramped kitchen into a more functional, modern space. Or maybe your property recently suffered unexpected damage, and now you’re torn between repairing it or selling it as-is. Whatever the case, if you’re considering hiring a contractor in Las Vegas, NV, one of the most important steps you can take is verifying that your contractor is fully insured and bonded.
While referrals from friends and family can help you find someone with a solid reputation, failing to confirm their insurance status can put you at serious risk—financially and legally. Hiring an uninsured contractor could result in costly lawsuits, unplanned out-of-pocket expenses, and long-term headaches if anything goes wrong during the renovation process.
Why Hiring an Insured Contractor in Las Vegas, NV Matters
When you hire a contractor who lacks proper insurance coverage, you’re essentially assuming liability for any mishaps that may occur on your property. If an accident causes damage to your home—or worse, someone gets injured—you could be the one footing the bill.
On the other hand, choosing an insured contractor ensures you’re financially protected from:
- Property damage during the project
- Worker injuries on your premises
- Legal claims or lawsuits stemming from project issues
This makes it absolutely essential to confirm that your contractor holds active liability insurance and worker’s compensation coverage before work begins.
Difference Between Bonding and Insurance
When you hire a contractor who lacks proper insurance coverage, you’re essentially assuming liability for any mishaps You may have come across contractors advertising themselves as “bonded and insured” in Las Vegas, NV. But what does that really mean?
- Bonded: A surety bond is essentially a safety net. It protects you if the contractor fails to complete the work or performs it poorly. The bond can compensate you for the cost of finishing or redoing the job.
- Insured: Contractor insurance includes both liability and property damage coverage. If a wall collapses or your plumbing is wrecked mid-project, their insurance can cover the repair costs—saving you from tapping into your homeowner’s insurance.
For even more peace of mind, make sure you ask for proof of both bonding and insurance.
What Kind/How Much Insurance?
Making sure your contractor is insured in Las Vegas, NV goes beyond a simple yes or no. You also need to ensure they carry sufficient coverage for your specific type of property and project. A few key policies to ask about include:
- General Liability Insurance – Covers damage to your property and bodily injury to you or your family members.
- Worker’s Compensation – Protects you from liability if the contractor’s crew gets injured while working at your home.
- Property Damage Coverage – Specifically covers the cost of repairing your home if something goes wrong during construction.
💡 Tip: If your home is worth over $1 million, and your contractor’s policy only covers up to $500,000, that could leave you vulnerable. Always ask about policy limits.
How to Verify Your Contractor Is Insured in Las Vegas, NV
To avoid unnecessary risk and ensure your contractor is legitimate and well-covered, follow these steps:
- Request Proof of Insurance – Don’t just take their word for it. Ask for up-to-date certificates for both insurance and bonding.
- Check Their Standing with the BBB – A quick look at their Better Business Bureau profile can reveal red flags or complaints.
- Read Reviews and Call References – Speaking to past clients can give you insight into the contractor’s professionalism and reliability.
- Get Everything in Writing – From detailed estimates to payment schedules, never agree to work without a written contract.
- Confirm Their Coverage Includes Subcontractors – If your contractor brings in outside workers, ensure they’re also protected under the same insurance policy.
For more helpful homeowner tips, check out our blog page or explore how to sell your home fast in Las Vegas, NV if you’d rather skip the renovation process altogether.
How Does Your Contractor Deal With Subcontractors?
Are Subcontractors Insured Too?
It’s common for general contractors to bring in subcontractors for specialized work like roofing, framing, or plumbing. However, not all subcontractors are covered under the contractor’s insurance policy—especially if they’re hired on a cash or informal basis.
To protect yourself:
- Ask if subcontractors are covered under the general contractor’s policy.
- Get it in writing in your contract or agreement.
- Request proof if you’re unsure or have doubts.
Need Guidance Before Starting a Major Project?
Knowing how to ensure your contractor is insured in Las Vegas, NV can save you from major financial and legal troubles. Whether you’re renovating or considering selling a house with damage, doing your due diligence is essential.
If you’re overwhelmed or unsure where to begin, we’re here to help. Call us today at 702-745-7779 or fill out our contact form to explore your options and get expert advice.