An owner has leased his entire building to a responsible party, with the nis entire building to a responsible party, with the lease requiring the lessee to carry liability insurance. The owner 1. need not carry liability insurance as the owner is adequately protected by the lessee's policy. II. needs to carry liability insurance, as all parties are normally named in any suit and defense cost alone may be expensive and / or the lessee may not have adequate liability limits. (A) I only (B) II only (C) both I and II (D) neither I nor