You need to have your own - you cannot rely on the sites insurance - YOU are the one the 'victim' will come after and YOU are the one thay will try to screw over for the slightest issue.
If there was ever any sort of issue you simply refer the 'victim' to your insurer as they know how to stall everybody expertly. The sites insurer would say "go after the operator - it isn't our customers machine"
