Roofers face a variety of inherent risks in their daily work. As working at such great heights can pose significant threats, these professionals must take extra safety precautions to prevent injury. Therefore, in addition to protecting your business with a Lake Tahoe Artisan Contractor Insurance ...

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It should come as no surprise that contractors face a variety of risks in their daily operations. As their scope of duties ranges significantly, there is no shortage of opportunity for litigation. However, with the right Lake Tahoe Contractor Insurance Program and the best risk management strateg...

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A recent report conducted by Indeed has identified some of the most difficult positions for small businesses to fill. Among them were several contractor positions, putting these professionals in high demand. Therefore, if you own a contracting business and are struggling to fill these positions, ...

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Insurance Services

  • General Contractors

    The outlook for the construction industry continues to be positive with continued growth pegged for single-family housing, office buildings, and warehouses. At Cal-Nevada Insurance Agency, we are well positioned to support the construction sector and the general contractors (GCs) and artisan contractors that make up this dynamic and challenging industry. For five decades, we have been delivering focused insurance and risk management solutions to protect against the various exposures GCs and others face on specific projects and job sites. Our goal is to create an insurance program that supports you in keeping your projects on schedule, safe, and profitable.
  • Artisan Contractors

    Artisan contractors include many occupations that involve a highly skilled trade. Instead of focusing on the construction job as a whole, artisans focus on a smaller scope within the project. They include plumbers, HVAC contractors, electricians, roofers, masons and landscapers and others. As construction specialists, Cal-Nevada Insurance Agency is one of the leaders in protecting artisan contractors throughout Northern California, Nevada, and Arizona. We have 50 years of experience insuring artisan contractors, and understand the importance of having the correct and the most comprehensive insurance for your business at the best available price. We have strong relationships with several national carriers combined with the knowledge and local, hands-on service to put into place the program you need to safeguard you and your business.
  • Bonds

    There are several types of bonds used to guarantee construction, required by the government for public jobs, private entities, and general contractors bidding out projects to sub-contractors. As a contractor, you need the ability to secure various bonds quickly so that you can effectively compete and expand your ability to bid on projects. Cal-Nevada Insurance Agency has longstanding relationships with surety companies to get you the bonds you need – whether you have a track record of completed projects under your belt or are just starting out.
  • Specializing In Protecting Arborists & Tree Trimmers

    Arborists and tree trimmers work for tree companies, landscaping businesses, and on their own. It’s a high-hazard occupation because of the inherent nature of the job. Arborists face great risk of injury from tree branches or falling tree trunks. Other exposures include the potential of damaging other people’s property; injury to others due to equipment malfunction; pollution liability as a result of the use of toxic substances or negligence; loss, damage or theft of tools, equipment or vehicles; professional liability due to tree care and landscape consulting or advice that leads to a loss; and accidents you or your employees may cause while driving your commercial vehicles. All of these exposures and others need the proper protection of a comprehensive insurance program.
  • Specializing In Protecting Investment Property Firms

    Cal-Nevada Insurance Agency provides property investors, whether you are seasoned investor or a first-time buyer, with risk management and insurance solutions targeted to your specific risks. Our geographic footprint spans Northern California, Nevada, and Arizona, where clients have put their trust in our experience and expertise in our professionals for 50 years.
  • Specializing In Protecting Property Developers

    Cal-Nevada Insurance Agency specializes in protecting property developers against the many complex risks you face, providing coverage solutions to safeguard your properties, assets and income, and reputation. Our portfolio of insurance products addresses the needs of a broad spectrum of real estate classes including property developers, owners, and managers of habitational/multi-unit residential buildings, office buildings, mixed-use buildings, retail centers, industrial developments, and real estate investment trusts (REITs). We can also insure hard-to-place risks, such as coastal properties, senior living facilities, and student housing.
  • Specializing In Protecting Technology Firms

    Cal-Nevada Insurance Agency provides a solid risk management strategy with insurance solutions specifically designed for technology firms located throughout Northern California, Nevada, and Arizona. From Silicon Valley, known for its hub of tech companies, to Reno’s technology boom, and downtown Phoenix’s tech company expansion over the last five years, Cal-Nevada Insurance Agency is well positioned to serve your insurance needs. Our 50-plus years of insurance experience and market access to leading insurers provide tech companies with an advantage when it comes to obtaining comprehensive, flexible insurance solutions at competitive pricing.
  • Business Insurance

    You’ve worked hard to start your business and continue to do so to grow and expand your operations. We work equally hard to ensure that your company is well protected – from start-ups to large corporations, we have the business insurance solutions needed to safeguard your property, assets, employees and customers in the event of a loss. Our professional, experienced staff at Cal-Nevada Insurance Agency will conduct a top-to-bottom review of your operation to uncover hidden exposures and perform an analysis of your current insurance coverages to see where we can improve the value of your program – both in how well you are protected and the amount of money you are spending for that protection.
  • Professional Liability Insurance

    Professional Liability insurance protects your businesses in the event you are sued for negligence in the performance of your services resulting in economic loss to a third party. Even if you haven’t made a mistake and it’s a case of “he-said, she-said”, the costs alone in defending a meritless lawsuit can be significant. Additionally, in many cases, Professional Liability coverage is required by law (physicians, for example), or may be stipulated as a provision in a contractual agreement for performing a project. This coverage is also known as Errors & Omissions (E&O) coverage, Medical Malpractice, and Lawyers Professional Liability.
  • Management Liability Insurance

    You can’t turn on the television, read the paper, or check your social media posts today without learning about allegations of harassment and discrimination in the workplace. These wrongdoings among others put companies, shareholders, and management on the line with the potential for significant losses. Add to this, lawsuits filed against directors and officers alleging failure to comply with regulations or laws, inaccurate or inadequate disclosure of financial statements, dereliction in protecting the firm against cyber threats, and other allegations, and there’s a great to deal to navigate when it comes to having the right insurance program. We can help you.
  • Workers Compensation

    At Cal-Nevada Insurance Agency, our business clients rely on us for all their coverage needs. From protecting their property to their assets, we have the markets, experience and expertise to find and secure the solutions that match our clients’ operational risk profiles. Our clients also rely on us to provide Workers Compensation insurance to step in when an employee is injured or becomes ill on the job. Mandatory in the states we serve – California, Nevada, and Arizona – Workers Compensation pays for the employee’s recovery needs as well as lost income that may result from a work-related injury or illness. Workers Comp assists with hospital and physician bills, medicine, physical therapy and other recovery-related expenses.
  • Private Client Services

    As insurance advisor to residents throughout Northern California, Nevada, and Arizona, Cal-Nevada Insurance Agency serves many high-net-worth clients with specialized coverages and unique services. Our clients enjoy our staff’s personal attention to detail and gain the benefit of our expertise to ensure that their program fits their individual risk profiles.

Serving California, Nevada & Arizona

Terry Jarcik, who has more than 50 years in the insurance business as an insurance broker, is the founder of Cal-Nevada Insurance Agency. His philosophy from the very beginning is to always put the client’s interests first, which he and our team have demonstrated over the years, underscored by our long-term client relationships where respect and fairness is paramount.

We work with a network of leading insurance carriers, which enables us to provide our clients with choice, stability, and competitive pricing.

Located in Lake Tahoe, Cal-Nevada Insurance Agency serves clients in Northern California, Nevada, and Arizona. We represent diverse industries with a focus on the following:

  • Construction
  • Artisan Contractors
  • Arborists & Tree Trimmers
  • Investment Properties
  • Property Development
  • Technology
  • Restaurants
  • Outdoor Recreation
  • Non-Profits
  • Janitorial Services
  • Municipalities

We also specialize in general Business insurance, Workers Compensation and Bonds as well as private client services, protecting the property and assets of high-net-worth clients with comprehensive, customized insurance solutions.

We welcome the opportunity to serve your insurance and risk management needs, and invite you to learn more about how we can help you minimize your risks and protect against losses.

To learn more about our approach in protecting clients against the various business and personal risks they face today, or to schedule a meeting with one of our professional insurance advisors, please contact us at (866) 670-5948, or e-mail us at info@calnevadains.com.

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  • (775) 831-1422


Get directions
288 Village Blvd # 2
Incline Village, NV 89451
United States

Business Hours

Mon:8:30 AM – 5:00 PM
Tue:8:30 AM – 5:00 PM
Wed:8:30 AM – 5:00 PM
Thu:8:30 AM – 5:00 PM
Fri:8:30 AM – 5:00 PM
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