The first and most significant difference between these two policies is that one covers a condominium, and the other covers a house. Many insurance buyers mistakenly believe that homeowners insurance will protect a condo.
The hiring party is not liable for the independent contractor, unless the work in inherently dangerous or unlawful, or if there was negligence on the hiring party’s side. For example, if a body double for an actor is made to do something that puts them at risk of physical harm and they are, in fact, injured, the hiring party is liable.