Truthfully I have no idea about the liability as I thought they all were pretty standardized.

I would suggest e-mailing the different companies directly with any questions, the type of vehicle you are interested in, etc. I had e-mailed a couple of companies and told them I needed to fit 5 people in the car at times. They all then replied back with recommendations based on their own fleets. One company did not provide even liability. I would have had to purchase it privately, from where I don't know. One required I get all insurance through them but I knew I'd be getting the Amex collision. One only had the more expensive SUV's that would fit 5 people. Unity replied back with the Corolla recommendation and an all inclusive price lower than listed on-line, (car, taxes, fees, liability, extra driver). So far I am very happy with the car, the communication, and the service.