So the simple answer is to assign the experienced people as "captains" and just have you maintain financial responsibility.

I once overheard this conversation between an owner of a charter firm and a client.

"
my son wants to come down in 6 months with some of his friends after they graduate high school, but they all have no experience.....

Oh, well, you have a charter this month, just "assign" him captain for this trip and you will have no problem.

"