Which Statement Regarding Individual Liability Insurance Policies Is Correct

Which statement regarding individual liability insurance policies is correct?

A) A personal liability policy is not necessary if the healthcare professional is employed in any capacity at a healthcare facility, because the facility's policy will cover his or her actions.
B) A person who does not own any property does not have anything to protect and therefore does not need a liability policy.
C) Independent contractors may require individual liability coverage even though he or she may be covered under a healthcare facility's policy.
D) An independent contractor would not be sued and therefore does not need liability coverage.