Insurance Question

How do most rehabbers insure themselves?

Do they just insure the home they are currently working on with builders risk & vacant dwelling or do they buy a liability policy for their company or do both?

How much does a liability policy cost for a newbie rehabber that wants to flip homes with an ARV between $75-150K and a $1,000,000 policy?(I understand I will need to talk to insurers but I’m looking for ballpark right now)