常見的Insurance中DP3是為有出租房的人（也就是地主）買的；HO3才是自住房的。
我的疑問是，假定下麵兩種情況：
1）A是房主，A買地主險，至少保房子和Liability； B租A的房子做生意，估計B就應該是你說的Business Owner險
2）B和A是同一個人，那當然應該買Business Owner險，那還需要地主險嗎？或者說，Business Owner的General Liability 能Cover房產的Liability嗎？因為ChatGPT說：
Yes, commercial general liability (CGL) insurance can cover injuries sustained by a tenant on the insured property if the injury resulted from the property owner’s negligence. This could include situations like slip-and-fall incidents due to poorly maintained common areas, where the property owner or landlord is legally liable. However, the specific coverage and exclusions depend on the terms of the CGL policy, and some incidents may require additional policies, such as premises liability or landlord insurance.
