Explain which types of Aviation Insurance Policy is applicable for the case given below:

Alice takes Mary for a ride in her aircraft. Alice didn't realize the lineman at the FBO did not properly secure the fuel caps and the engine quit when all of the fuel drained out during the flight. Alice did a great job making an emergency landing on a golf course but unfortunately Mary and one of the groundskeepers working at the golf course are injured. Alice's aircraft insurance policy has a $100,000 per person sub-limit on the aircraft liability insurance. The insurance company pays Mary $100,000 and $100,000 to the groundskeeper; however, the groundskeeper has over $700,000 in medical expenses and is not expected to be able to work for an extended period. All told, the attorney representing the groundskeeper is seeking $900,000 from Alice but her aircraft liability insurance is exhausted because of the $100,000 per person sub-limit.