If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

Then get a business umbrella policy.

I understand the policy is to email permitting for updates but after 13 months of permits, 19 months after I sent in $36,000,  I think I've earned another quick phone call.  

Are there dogs in the yard when you have a no-pet policy?

Take out 5 $2mm term life insurance policies for 20 years.  

Got added to the property insurance policy as additional insured.4.

Can anyone recommend a company that offers a builders risk policy to cover the construction period but then will also allow a cancellation and refund after work is finished to convert into a standard landlord policy.  

We have not disabled ours or converted to gas, but Tenant must sign a Fireplace Addendum stating if they use it, we require a higher renter's liability policy with us as additional insured, rules on wood, storage, use, safety, they pay for yearly professional cleaning each year they are there, etc.  

One other market-wide factor I’d throw in is local government policies.

An umbrella policy or other insurance policies can often lend similar desired protections in a much more realistic and simplistic manner.