is landlord insurance necessary for liability coverage?

[Rohit Naringrekar]

We are renting a condo. The condo association insurance covers the structure and we don't have any expensive items in the condo. The only protection we need is liability coverage- to protect ourselves from the tenants suing us for anything. If the tenant gets renter's insurance for herself, do we still need to get our own landlord insurance? Can we ask the tenant to add any specific coverage that makes our landlord insurance unnecessary?