Business Details
50+ Years
experience
Your Trusted Partner for Comprehensive Insurance Solutions in Reno, NV
Founded in 1972, Cal Nevada Insurance Agency has dedicated over five decades to providing tailored insurance and risk management solutions for businesses and individuals across California, Nevada, and Arizona. Our expertise spans niche markets such as construction, technology, outdoor recreation, and high-net-worth personal insurance. We prioritize personalized service, leveraging deep industry knowledge and partnerships with top-tier carriers to design comprehensive coverage strategies that mitigate risks and enhance client success.Our commitment to proactive risk management includes alternative solutions like captive and self-insurance programs, along with robust safety and loss control initiatives. With a legacy of building long-term client relationships, we combine local insight with national resources to deliver protection that aligns with our clients evolving needs.
Services
General Contractor Insurance
Artisan Contractors Insurance
Workers Compensation Insurance
Surety Bonds
Business Owners Policy
Commercial Property Insurance
Cyber Liability Insurance
High-Value Homeowners Insurance
Life Insurance
Bond Services
Details
- Year established: 1972
Highlights and features
- We offer 50+ years of experience insuring niche markets like construction and technology.
- Our team specializes in Workers Compensation and Surety Bonds for contractors.
- We provide personalized insurance programs for high-net-worth individuals and businesses.
- Our loss control strategies reduce risks and insurance costs for clients.
- We serve California, Nevada, and Arizona with localized expertise and national resources.
Services
General Contractor Insurance
General Contractor Insurance protects construction firms from liabilities like property damage, worker injuries, and project-specific risks. This coverage is essential for California, Nevada, and Arizona contractors managing complex projects. Our policies include general liability, equipment protection, and wrap-up programs to ensure compliance and financial security.
Workers Compensation Insurance
Workers Compensation Insurance covers medical costs and lost wages for employees injured on the job. Required in our service states, this policy safeguards businesses from financial strain due to workplace incidents. We help clients reduce premiums through safety training and risk assessments tailored to high-hazard industries like construction and restaurants.
Surety Bonds
Surety Bonds guarantee fulfillment of contractual obligations for construction projects. We secure bid, performance, and payment bonds to help contractors win bids and meet legal requirements. Our services include financial analysis and bond history development to support both new and established businesses in California, Nevada, and Arizona.
High-Value Personal Insurance
High-Value Personal Insurance offers tailored coverage for affluent clients, including luxury homes, vehicles, and assets. Our policies protect against unique risks like cyber threats and liability claims. This service ensures comprehensive protection for properties and personal wealth in Northern California, Nevada, and Arizona.
Commercial Property Insurance
Commercial Property Insurance safeguards business assets against damage from disasters like fires or storms. It covers equipment, inventory, and buildings essential to operations. We customize policies to include pollution liability and equipment breakdowns, ensuring resilience for businesses across diverse industries in our service regions.
People
Terry A. Jarcik
President
Terry Jarcik, with 40+ years in insurance, specializes in construction and risk management. He has built Cal-Nevadas reputation through strategic acquisitions and deep industry expertise. He balances business with passions for golf and aviation, ensuring client-focused solutions.
Jay Jarcik
Personal Lines Manager
Jay Jarcik manages personal insurance and IT operations. With 15 years in the industry, he brings multi-state expertise and a commitment to outdoor lifestyles. He resides in Reno, balancing family life with community involvement in youth sports.
Katie Jarcik
Commercial Lines Account Manager
Katie Jarcik specializes in commercial insurance, including construction and health coverage. Her Bay Area roots and ASU education inform her client approach. She volunteers with Big Brothers and Big Sisters, reflecting her dedication to community and client advocacy.
Questions
What industries do you specialize in?
We specialize in construction, artisan contractors, technology, outdoor recreation, and high-net-worth personal insurance across California, Nevada, and Arizona.
Do you offer workers' compensation insurance?
Yes, we provide workers' compensation insurance tailored to high-risk industries, including cost-reduction strategies and compliance support.
How can I get a surety bond?
Contact us for bid, performance, and payment bonds. We assist with financial analysis and bonding history to secure project requirements.
What personal insurance services are available?
We offer high-value homeowners, auto, life, and umbrella insurance for individuals needing comprehensive asset protection.
Can you help with commercial property coverage?
We provide customized commercial property insurance, including equipment breakdown and pollution liability for diverse business needs.
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