All the charter companies in the BVI big or small are facing enormous odds as they try and reconstruct their companies. Many of the smaller companies I suspect don't have the cash on hand for refunds. The survival of most charter companies depends on deferring those bookings and retaining the cash. It also depends on getting boat orders. Buyers are going to be reluctant to place a boat order with a company that has a uncertain future. The companies are fully aware of this and will spin things in the best possible light. No one is going to disclose their true financial picture.
If you have a favorite company you want to support book a charter with them. They need the bookings and this coming hi season will be critical to survival. Do however take out trip insurance!
G