I was just trying to make the point if you go outside the terms of your charter company than you assume a higher liability for property...

"Acts that will be considered as gross negligence or reckless conduct will include, without limitation, sailing outside of defined sailing areas and/or hours,
sailing the vessel under the influence of alcohol and/or drugs, not having sufficient crew in charge of the vessel at all times, not being
in control of the vessel by means within the control of the Skipper."

Additionally we moored at the Willy T 3 in October and the mooring balls at that time were not far enough apart as fyi...

This is still my favorite BVI "landing"

https://www.youtube.com/watch?v=wxg30c6z00E

I appreciate all of you for helping me be a better captain...wish I had found this site earlier