You must carry Liability insurance on your commercial auto policy to carry Hired Auto coverage, and the limits you select for each must match each other. (progressivecommercial.com)
In addition, some landlords will require that you also carry liability insurance in case anyone is injured while doing work inside your home. (bankrate.com)
The association only has responsibility for carrying liability insurance for common areas, so individual owners must provide their own liability insurance for their own individual units. (pocketsense.com)