There shouldn’t be any insurance issues as long as you’re using licensed contractors for your subs. They should carry their own bond insurance and worker’s comp (which you should check out yourself, make sure they haven’t made any claims and they’re still in good standing).

If you start hiring unlicensed people to work on your house then you become their employer and are responsible for having worker’s comp insurance for them.

I got the permits myself as an owner/builder but only after getting rejected by the city with plans I had from the previous owner. I tried to revise the plans I had to meet all the local codes but it ended up being more work than I wanted to do so I just ended up hiring an architect. If you’re only remodeling and not moving walls, you can easily go to the permit office and submit a no plan/ over the counter permit and get it all that day, just make an appointment, the city gives high priority to appointments. You can do the mechanical (HVAC), electrical, and plumbing permits all under one combination permit to save money. The inspector will come out and inspect everything during a 2 hour block of time so you don’t have to pay for multiple inspections.

I only needed an architect because of the enclosed patio that I want to turn into a 2nd story balcony deck. I probably could have done the wall demo plans myself.