Insurance needed if doing rehab with a friend

[Sean S.]

Hi,

Any advice would be greatly appreciated!!

I am going to be flipping my first home soon. I am planning on having standard home insurance with a general liability coverage of 1mil. I was considering also getting a 1 mil umbrella policy for year round in case anything happens after I sell the property. I will be contracting out the major projects, but I will paint, do demolition, and kitchen cabinets with a friend of mine. My friend does not have general liability coverage since he doesn't do this work typically. Since he doesn't have this coverage, my insurance agent is telling me that he wouldn't be covered by my general liability policy. Would my umbrella insurance cover me if something happened to him? Is there any alternative options for how I can ensure that I am covered in case of an accident with my friend? Any experience with a homeowner liability waiver form?