Hi there. I think points 1 and 2 that you raise are best addressed to your insurance company. Here is NZ, such public liability concerns are only of a legal/police nature, as you can't personally take someone to court for such things. Lucky us!
As for point 3, I tell the users of my Bikeshare bike (Trans-Atlantic BikeShare, World Wide - BikeShareworld.com
) that it's theirs while they have it so look after it like their own. I tell them what the bike is worth and if they damage it badly, then they own it and need to pay me the difference from the insurance payout. Also any tyre or servicing needed are theirs to take care of too. This is all carefully set out before any agreement is reached so there are no surprises.
Hope this helps, but different countries do raise different issues I guess.
Nigel in NZ
The mouth of a perfectly contented man is filled with .
-- 2200 BC Egyptian inscription