Hey Mark. I own a charter company in the USVI and Caribbean in general. It is actually pretty complicated. If in their contract, under cancellations, they specifically mention "pandemics", then you are probably in trouble. If their contract only mentions "force majoure", then they are probably in trouble. Either way, most lawyers i've talked to on both sides of the table recommend sorting it out. You were very kind to "them" by not mentioning their name here, but if they keep your deposit, with no option to rebook without a fee, then i would definitely fight them.