Insurance in a New Construction Contract

[Fernando Tello]

Calling out, experience new construction investors and/or Builders/General Contractors.

I am building my first MF and currently negotiating the construction contract. One of the clauses mentions that the Owner shall pay the cost of all insurances including: Contractors General Liability Insurance, Property Insurance (builder risk), Loss of Use insurance and obviously Owners Liability Insurance. 

Since is the first time building a MF I don't know if this is normal practice? For me what makes sense is that each party shall pay the insurances that they are responsible of, plus the owner can elect to hire the other insurances that will protect his interests. (meaning Property Insurance and Loss of Use if needed) 

I am already in contact with a local real estate lawyer although, I still want to hear opinions from other experienced investors if this is a a normal practice. 
Thanks in advance.