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.
In my research french law requires all rentals to come with unlimited liability
I cannot find the requirements on the dutch side but the rental company seem to limit out at 50000 Is that the limit in a lawsuit i do not know?
I do not know what happens if your dutch rental has a accident on the french side
I know of one company on the dutch side says they meet requirements of both sides