Business Details
50+ Years
experience
Your Trusted Insurance Partner in Reno, NV
Cal Nevada Insurance Agency has served businesses and residents across California, Nevada, and Arizona for nearly five decades. Founded in 1972, our agency specializes in designing custom insurance solutions tailored to unique client exposures. We act as risk managers, offering traditional insurance products alongside alternative solutions like captive and self-insurance programs. Our team collaborates with top-tier carrier partners to implement loss control and safety programs that reduce risk, lower premiums, and improve workplace safety. With deep expertise in construction, real estate, technology, and high-net-worth personal insurance, we build long-term relationships through personalized service.Our specialists provide comprehensive coverage for general contractors, artisan contractors, and tree service businesses. We also offer workers' compensation insurance, surety bonds, and private client services including high-value homeowners and yacht insurance. Our 40+-year experienced leadership team combines local knowledge with national carrier relationships to deliver tailored risk management strategies. We focus on mitigating risks through job safety programs, contract reviews, and experience rating analysis while maintaining a client-centric approach to policy customization.
Services
General Contractor Insurance
Artisan Contractors Insurance
Workers Compensation Insurance
Surety Bonds
Business Owners Policy
High-Value Homeowners Insurance
Commercial Auto Insurance
Cyber Liability Insurance
Pollution Liability Insurance
Construction Equipment Insurance
Details
- Year established: 1972
Highlights and features
- We offer 50+ years of specialized insurance expertise in construction and niche markets
- Our team provides personalized risk management solutions beyond standard insurance products
- We maintain strong relationships with top-tier insurance carriers across multiple states
- Our loss control programs help reduce workplace risks and insurance premiums
- We offer comprehensive coverage for both business and high-net-worth personal needs
Services
General Contractor Insurance
Our General Contractor Insurance provides comprehensive protection for construction businesses across California, Nevada, and Arizona. This specialized coverage includes liability protection for property damage, bodily injury, and professional design/build assistance. We offer tailored solutions that address cyber threats, drone liability, and wrap-up programs for complex projects while ensuring compliance with state requirements.
Artisan Contractors Insurance
Artisan Contractors Insurance covers specialized trades including plumbing, electrical, HVAC, and roofing operations. Our policies protect against job-site risks, property damage, and liability claims while providing workers' compensation and commercial auto coverage. We offer tailored solutions for unique trade-specific exposures and equipment protection needs.
Workers Compensation Insurance
Mandatory Workers Compensation Insurance covers medical expenses, lost wages, and rehabilitation costs for job-related injuries. We provide coverage meeting California, Nevada, and Arizona requirements while offering risk management programs to reduce claims frequency and control premium costs through safety initiatives.
Surety Bonds
Our Surety Bond services include bid bonds, performance bonds, and payment bonds required for public and private construction projects. We assist contractors with bond applications, financial analysis, and building bond history to enhance bidding capabilities and project opportunities across multiple states.
High-Value Personal Insurance
High-Value Personal Insurance offers customized coverage for luxury assets including homes, vehicles, yachts, and personal umbrella liability. Our specialists protect high-net-worth individuals with tailored solutions for unique assets and liability exposures in Northern California, Nevada, and Arizona.
People
Terry A. Jarcik
President
With 40+ years in property & casualty insurance, Terry specializes in construction, bonding, and workers' compensation. He built two successful insurance practices in California and Nevada while maintaining active involvement in golf course management and aviation.
Jay Jarcik
Personal Lines Manager
Jay manages personal insurance operations with 15 years of experience. He holds multi-state licenses and oversees IT operations while balancing family life with youth sports activities in the Reno area.
Katie Jarcik
Commercial Lines Account Manager
Katie specializes in construction insurance and workers' compensation with a background in logistics management. She volunteers with Big Brothers and Big Sisters while supporting commercial clients from the Lake Tahoe office.
Questions
What commercial insurance products do you offer for construction businesses?
We provide general liability, workers' compensation, surety bonds, commercial auto, and equipment insurance tailored to construction companies' specific needs.
How do you help reduce workers' compensation costs?
We implement safety programs, conduct policy reviews, and offer experience rating analysis to identify premium reduction opportunities through risk mitigation.
Do you offer insurance for artisan contractors?
Yes, we provide specialized coverage for plumbers, electricians, roofers, and other trades with tailored liability and equipment protection.
What personal insurance options exist for high-net-worth individuals?
We offer high-value homeowners, yacht insurance, personal umbrella liability, and classic car coverage designed for unique asset protection needs.
How can contractors obtain surety bonds?
We assist with bid bonds, performance bonds, and payment bonds through our carrier relationships, including financial analysis and bond history development.
Do you provide cyber liability insurance for businesses?
Yes, our commercial packages include cyber liability coverage to protect against data breaches and digital risks for modern businesses.
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