I only have commercial contracts with HOA's and management companies. Last week a manager called me and said he needed a copy of my liability insurance and asked that it name the HOA and management as being covered along with my business. My question is will the HOA and management be getting a "free ride" on my coverage? Is this a common practice to cover all three parties with only the landsdcape company paying? Nothing is in my contract reguarrding this? Thanks.