Builders Risk in Nevada

Nevada's State Fire Marshal says it began enforcing the 2024 fire-code editions on January 1, 2026. The approved R205-24 regulation updates the adopted International Wildland-Urban Interface Code to the 2024 edition and changes its vegetation-plan provision: where required, a plan goes to the code official and State Forester Firewarden for review and approval as part of permit plans. Applicability is project- and authority-specific; this code does not determine builders-risk coverage.

What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. Read the national Builders risk guide.

What Should You Watch for With Builders Risk Insurance in Nevada?

Check the code edition and local applicability
The Nevada State Fire Marshal says the 2024 codes have been enforced since January 1, 2026; the approved R205-24 regulation includes the 2024 International Wildland-Urban Interface Code. Ask the local code official which provisions apply to this project and its permit, especially if construction is in a wildland-interface area. ^1,²
Ask whether the permit needs an approved vegetation-management plan
Nevada's revised code text says a vegetation management plan must be submitted to the code official and State Forester Firewarden for approval as part of permit plans where required. Confirm whether the project requires one, who prepares it, and when approval is expected before setting the construction schedule. ²
Map the wildfire-facing work and materials
Nevada's Fire Adapted Nevada program describes property and community preparation as a way to reduce wildfire loss. Ask the project team what current site conditions, surrounding fuels, and construction-stage materials should be considered; then ask the broker to explain any wildfire, smoke, evacuation, or access limitations in the specific quote. ³
Keep permit compliance distinct from insurance terms
Code compliance and a vegetation plan do not establish whether a builders-risk policy covers a wildfire loss. Share the actual project location, stages, values, and plan approvals with the broker and ask about the policy's fire, smoke, debris-removal, and interruption language in writing. ^2,³

Which Builders Risk Insurance Providers Have Nevada License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Nevada?

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 888-872-3234

Surplus-Lines Tax and Stamping Office in Nevada

Reported tax rate. Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply ^7,^8,^9,¹⁰

When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract.

What Should You Ask Before Buying Builders Risk Insurance in Nevada?

Has the local code official confirmed whether the project is subject to Nevada's wildland-urban interface requirements?
Is a vegetation-management plan required, and what approvals must be complete before work starts?
Does the written quote address the actual site, fire and smoke terms, debris removal, materials stored outdoors, and delays or extensions?

Builders Risk Insurance in Nevada: Frequently Asked Questions

Which Nevada fire-code editions are currently being enforced?

The Nevada State Fire Marshal says the 2024 codes have been enforced since January 1, 2026. The approved R205-24 regulation includes the 2024 International Wildland-Urban Interface Code. ^1,²

Does every Nevada project have to submit a vegetation-management plan?

The revised code text says plans are submitted for review and approval where required. Ask the project’s code official whether this requirement applies to the specific permit. ²

Sources for Builders Risk Insurance in Nevada

1
State Fire Marshal Public Meetings — Current NRS/NAC 477. Nevada State Fire Marshal; Lines 28–34: agency statement that 2024 codes are enforced beginning January 1, 2026 and links to current Chapter 477. Accessed 2026-09-28.
2
Approved Regulation R205-24 of the State Fire Marshal. Nevada Legislative Counsel Bureau; Pages 1–2 and 18–19, lines 15–24 and 442–445: adoption of 2024 codes and vegetation-plan amendment. Accessed 2026-09-28.
3
Fire Adapted Nevada Partnership. Nevada Division of Forestry; Lines 39–60: property/community wildfire preparation and multi-agency initiative. Accessed 2026-09-28.
4
Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
5
Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
6
File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
7
NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
8
NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
9
NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
10
NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
14
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
15
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Builders Risk in Nevada

What Is Builders Risk Insurance?

What Should You Watch for With Builders Risk Insurance in Nevada?

Check the code edition and local applicability

Ask whether the permit needs an approved vegetation-management plan

Map the wildfire-facing work and materials

Keep permit compliance distinct from insurance terms