Which statement regarding individual liability insurance policies is correct? Select one:
a. An independent contractor would not be sued and therefore does not need liability coverage.
b. 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.
c. A person who does not own any property does not have anything to protect and therefore does not need a liability policy.
d. Independent contractors may require individual liability coverage even though he or she may be covered under a healthcare facility's policy.
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