Commercial Insurance in Reno, Nevada
We’re not an 800 number in another time zone. We’re your neighbors on Forest Street, insuring the businesses building Reno.
Statement Insurance Agency is an independent commercial insurance agency headquartered right here in Reno, Nevada. We help local businesses (contractors, property owners, restaurants and bars, and everything in between) line up the right business insurance at the right price, with a real person who knows this market and actually answers the phone. Because we’re independent, we shop multiple carriers on your behalf instead of pushing one company’s products, and we build each program around what your Nevada contracts, lenders, and licenses actually require. If you run a business in Reno or anywhere across northern Nevada, this is where a local, independent agent earns its keep.
The Reno market
Reno isn’t the town it was a decade ago. The Tahoe-Reno Industrial Center, data centers, advanced manufacturing, and logistics have reshaped the economy, and the construction and commercial real estate pipeline has raced to keep up, all on top of the established gaming, hospitality, and small-business base. From Midtown and downtown to South Meadows, Spanish Springs, and the industrial corridor out toward the TRI Center, new job-sites, new buildings, new tenants, and stricter contract requirements arrive every year. Fast growth means shifting risk, and closing that gap for Reno business owners is exactly what a local independent agent is built to do.
Risks we see in Reno
Wildfire & the urban-wildland edge
Reno’s west and south foothills sit in the wildland-urban interface, and that exposure increasingly drives commercial property pricing, deductibles, and availability. We know which carriers still write it and how defensible space helps.
Seismic activity
Northern Nevada is one of the more seismically active regions in the country. Earthquake is excluded from standard commercial property, so for many building owners it’s worth pricing as a separate coverage.
A relentless construction boom
Commercial development across the region means contractors need contract-ready general liability with additional insured, waiver of subrogation, and primary and non-contributory wording, plus builder’s risk on active projects.
Real winters
Freeze-and-burst pipe losses, snow load, and ice slip-and-falls are genuine property and liability exposures here in a way they aren’t in the Sun Belt.
Who we insure in Reno
Coverages we write here
Why Reno businesses choose Statement
- Independent and locally owned, headquartered at 994 Forest St. in Reno, not a national call center
- We shop multiple carriers, including specialty markets, instead of one company’s shelf
- We know Nevada’s rules cold: contractor licensing, state workers’ comp requirements, and COI demands
- Fast certificates and additional-insured endorsements when a job or landlord needs them yesterday
Serving Reno, Sparks, Carson City, Northern Nevada and the surrounding area, including Sparks, Carson City, Spanish Springs, Sun Valley, Fernley, Fallon, Minden & Gardnerville.
Commercial Insurance in Reno FAQs
Let’s talk.
Tell us about your Reno business and we’ll put together coverage that fits, plus the certificates your contracts and landlords need.