Local Elko, Nevada insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and mining contractor insurance in Elko, Nevada
Elko is the hub of northeastern Nevada, sitting along I-80 near the Ruby Mountains. Gold mining along the Carlin Trend drives the local economy, and the city is known for the National Cowboy Poetry Gathering and its Basque heritage.
Homeowners insurance in a cold climate
Long, cold winters bring frozen pipes, snow load, and ice dams. We shop homeowners coverage across carriers for homes in Elko and Spring Creek, and write landlord policies for the many rental homes that serve mine workers.
Earthquake and wildfire
The 2008 Wells earthquake, a magnitude 6.0, damaged buildings in Elko County, and rangeland fires burn across the region most summers. A standard home policy does not cover earthquake, so we quote it separately.
Mining, trucking, and autos
We insure contractors and trucking operations serving the mines, plus local businesses. Long drives on I-80 and rural highways, often with wildlife on the road, make good auto coverage important.
Your insurance team for Elko, Nevada
We work with Elko households and business owners, and also serve nearby Spring Creek, Carlin, Wells, Lamoille, and Jackpot, along with communities across Nevada.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Elko, Nevada providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Elko, Nevada.