If the renter has to assume the risk, will the renter be willing to rent the villa well in advance? I've rented a villa in Mahoe Bay on Virgin Gorda twice. They are not inexpensive. I'm not sure I would be willing to take the risk now. I understand the landlord's side as well. One person in a party gets sick and the landlord is supposed to make a full refund? I don't think that is fair either.