Well ..I found it difficult for two major US insurers to cover a charter boat or land property in the BVI...they will do it for a year in our experience..and not reinsure on an umbrella policy the next. good news is that the charter co. We were with had a 5 mil liability policy . Those are deep pockets and it is unlikely an owner is going to be on the hook beyond that. Was the reason we frequently brought down fire/Carbon monoxide detectors to place on our boat. The only likely way there would be a huge judgement in BVi I.