So sorry to hear your predicament. However let me say a few words on organizing a cruise in the BVI. I have been doing this every summer (last week of July) since 1985. Currently I use the 46' or 48' catamarans from the Moorings. I charge $3000/couple (4 couples) which includes boat, skipper, provisions for breakfast, lunch, happy hour snacks, liquor, mooring fees, SUPs/kayaks, ice, etc. They are responsible for travel, accommodations, dinner ashore each night (we treat the skipper to dinner if he wants to join us). The caveat is that the $3000 is collected before the baot rental and is NONREFUNDABLE. Never had anyone backout. If they do backout they are responsible for filing their space and collecting the fee from their replacement.