Theft/loss responsibility during renovation, owner of or contractor?

[Chad Clanton]

Good afternoon BP, I've got a question for you all and would appreciate input from both the investor and contractor perspectives, particularly those in and around San Antonio. If something were to be stolen during the course of work e.g. materials (flooring, gypsum board, whatever), would responsibility fall to the owner or to the contractor? Does the same rule apply for, say, appliances, fixtures, etc (guessing that would be on the owner's policy)? From the contractors out there, what does your insurance typically cover within this context? Or is it all specified in the contract? I know this thread can be "what-if'ed" to no end, but I'm just looking for the broad strokes. Any input is appreciated, and thanks for all the day to day help as well. Take care everyone, and happy investing!