What insurances are important to have in the Real Estate Business

[Luz Pagan]

To all my insurance agents, Real Estate Lawyers and Experts,

General Liability Insurance and Builder Risk Policy are needed during a constructions. But what else is needed?

I was wondering, if I hire an employee (General Labor) and he is injured during a work at the residence. I am assuming  he is not covered under the two other policies, right? And if so what type of insurance or protection should I have in place to ensure my company and the employee are both covered? 

Also, when my flip is complete and the house is ready to sell. What type of insurance do I need?