Insurance on Flip Houses

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Hello everyone! I'm a newbie flipper/rehabber out of Texas and want to get some opinions on the best type(s) of insurance for a flip house. I know for sure I should get Builder's Risk Insurance and/or Empty House insurance. From what I've read, Builder's Risk Insurance is the better route since it's basically coverage for construction/remodeling a property. Do you agree? Also, I do not formally have any employees. Should I get Worker's Compensation as well just to protect me even further? I know independent contractors should carry their own policy of insurance but I want to be prepared for worst case scenario. What do you investors usually do?

Any advice would be greatly appreciated! Thanks.

[John Moore]

We carry builders risk and we do not carry workmans comp., we do however carry a liability policy; we have all subs sign an independent contractors agreement, provide us with proof of insurance, sign a waiver of liens, and prove either they have workmans comp or are exempt. Hope this helps.