SDCPM requires all owners to add SDCPM as "Additionally insured" to their property liability insurance policy because if we are not, and SDCPM are sued by someone in relation to the property, then the property owner  would have to indemnify and hold us harmless as per the clauses in the management agreement, which would mean that they would have to pay for our legal fees to defend us, whereas if we are additionally insured, their insurance company would have to hire someone to defend us, so by doing this will save the owner money