If I charter my boat, and a renter sinks it, what happens?

[daletournier]

Here in Seychelles I've been anchored at a place called Anse Royal. I've watched three catamarans drive across and hit the reef in four days, they make me very nervous. I've dived on two fouled anchors as well.

One stuck on the reef with dinghy painter around starboard prop and port engine over heating.

I've stopped helping as I'm going to get hurt through other people's incompetence.