Type of Insurance for Flip?

[Mike Ballew]

I would like to know what kind of insurance you get for your flips.  The insurance companies I've spoken with say normal homeowner's insurance is no good because it has exclusions for situations where the house is not occupied.  One agent told me I need to get worker's comp insurance.  I told her no, I don't think so, the people working on the house are employed by companies (contractors) so they get their workers comp through their employer.  Another agent told me I need to get builder's comp.  That sounded more logical but I'm still unsure.  

So I don't get a bunch of questions about what I'm doing:  I'm flipping a house.  I'm buying a house with cash, spending a few months renovating it using mostly contractors but with a little work myself, no one will be living in the house during the renovation period, then I plan to sell the house for a profit.  I want to be insured against a contractor getting hurt or dying while working on my house and I want to be insured against the house burning down or other loss such as a tree falling through the roof or someone stealing boxes of flooring tile out of the garage.  Any guidance would be most appreciated.