[Porsche-O-Phile]

Require your contractors to carry builders risk and carry payment and performance bonds to your satisfaction, in addition to general liability. If they give you a hard time about it, tell them to take a long walk off a short pier and go to the next guy. You want a professional, not a fly-by-night residential wood butcher. A professional GC will have it or can get it without any issues - the premium cost will be baked into his bid price.