So what about the question about liability isurance that rental companies already have covering the rentals and why it's also an add on with some companies and not others.
As per this prior post.
"Liability insurance is not required on the island. The rental car company is required to carry the insurance, which also covers their rental clients. Civil liability is limited to $50,000 on the island, and the rental company's policy covers that. This information comes directly from a rental car company on the island."