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If yours is a general question, you can ask a board member to get an answer from the master insurance policy carrier, where the association's comprehensive general liability insurance premium is generally paid. Also, ask about the deductible amount in the case of a claim.

If you carry an HO-6 condominium unit owner's policy, you can ask your agent to verify your liability coverage under the master policy -- or potentially under your HO-6 policy.

If you have a claim, again, by going through your HO-6 policy agent, you can give the opportunity to answer to the insurance companies, who will resolve the question according to the coverage that the premiums pay for. In this case, you also need to understand who pays the deductible in the case of a claim.

As a citizen, generally, you would carry your own comprehensive general liability insurance, so that you're covered regardless of where you live.

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Q: Is a unit owner in a condominium can be considered as third party claimant under a comprehensive general liability insurance?
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