Liability insurance, thoughts?

We are getting ready to build and because we are doing some of the end work ourselves (insulation, molding, cabinets), our contractor is requiring a Hold Harmless agreement be signed. I understand needing to protect himself, but unfortunately it is one-sided and only protects him. I am looking for specific insurance I could buy to protect myself from liability claims just incase. I have heard homeowner umbrella policies can sometimes not cover this. Does anyone have a recommendation of companies I could look into that will insure an owner-builder for liability?
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If you currently have homeowners’ insurance on another home you may find that the liability coverage of that home extends to cover this one property. Most umbrellas are pretty broad but ask your agent.
If the concern is being sued by a workman that would be workman’s comp insurance and you just request a certificate from the GC and each sub when they bid.
Walta
You'll need to ask your insurance agent. Umbrella policies are supposed to catch the "other stuff" that the primary policy misses, but it will still probably have exclusions (flood damage is notably excluded on most policies, as one example). Tell your agent what you're worried about, and have them recommend the coverage you need. Have them tell you IN WRITING that they are covering you for whatever you want covered. By getting that in writing, if the agent makes a mistake, you'll be covered by the agent's errors and omissions insurance policy.
Standard commercial general liability is at least 1 million per instance, and often more. I have carried up to 10 million before, but I do a lot of commercial work with utility stuff, so my requirements are different than most contractors that do residential work. I would want at least 2 million myself for such a policy. If you need such a policy, you may have to talk to an insurance agent that handles commercial policies. Your usual agent can probably recommend someone if their agency doesn't handle those types of policies. I have seperate insurance for my personal and work stuff since my personal carrier doesn't really do commercial policies.
Regarding the "hold harmless" agreement, be very careful. I can understand your contractor not wanting to be responsible for work you do yourself, but you want to BE SURE your contractor is still responsible for ALL of the work they perform and ANY/ALL issues that may arise from that work that they performed. You also don't want the contractor to be able to use your work as an out in an unreasonable manner. An example would be the porch roof the contractor built collapses and they blame it on the light switch you installed in the kitchen on the opposite side of the house. Typical wording for something like this would be something like "contractor assumes responsibility for all work performed by contractor and contractor's subcontractors. Contractor will not make unreasonable claims against work performed by owner" or some such. Note that I'm not a lawyer, I've just done a lot of contract negotiation work, so you'd want your own lawyer to write, or at least review, any agreements you sign with your contractor.
Again, be VERY CAREFUL with any hold harmless or indemnification agreements since those can expose you to massive amounts of liability, and/or completely eliminate your contractor's liability, even for things the contractor screwed up entirely on their own. Check with your insurance agent about the policies, check with your lawyer about that agreement. Your insurance agent may also be able to recommend some language to add to the hold harmless agreement to help protect you.
Bill