When someone is injured by an intoxicated person, even if only a small percentage of the total blame is assigned to the licensee by the courts, what can happen to the licensee in terms of the allocation of fault?

★ Q: When someone is injured by an intoxicated person, even if only a small percentage of the total blame is assigned to the licensee by the courts, what can happen to the licensee in terms of the allocation of fault?
  the licensee will only have to pay a small percentage of the damages
  the licensee’s insurance will have to pay a small percentage of the damages
  the licensee may have to pay for all of the damages
  the licensee’s insurance premiums will increase

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the licensee may have to pay for all of the damages