I am building in Vermont and working with a friend of mine who is a construction business owner and contractor. He will be doing the excavation, foundation, and framing and I am doing some of the work myself such as plumbing, electrical, and finish carpentry.
I am planning to work with a local Vermont bank through a typical construction loan, but I am not a licensed plumber or electrician. The bank requires me to be a subcontractor under the general contractor, which is fine with him.
The issue becomes liability insurance (I have my own health insurance).
Bank documents state "The General Contractor agrees to be responsible for collecting Certificates of Insurance for all Sub-Contractors".
Can I get some sort of liability insurance coverage for my work so that I can offload this responsibility from the GC and cover my dwelling? I don't even know where to look for something like that.