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Two pages sit under this heading, and the line between them is the scope of work rather than the vocabulary. A structural job — walls open, systems out, nobody able to occupy the building while the crew is in it — is read one way on the underwriting side. A finish-work project that never opens the structure is read another way entirely. Start on the page that matches what your scope of work actually says, because that document decides which policy answers a loss.

The structural path leans on builders risk, the policy written for a building that is being rebuilt while the crew is in it. That cover has its own page, and the project it fits is described under fix and flip insurance. The finish-work path usually stays on a dwelling policy that carries a cosmetic repair endorsement, and that project is described under house flipping insurance. Liability sits beside either path, and general liability is covered separately. When the scope of work crosses from one path to the other, the placement has to move with it.

• Fix and Flip Insurance The structural job: demolition, systems out, and a building nobody can occupy while the work runs — and the stack that starts with builders risk.
• House Flipping Insurance The cosmetic project: finishes, surfaces and fixtures, where a dwelling policy carrying the right endorsement usually holds the work.