I am happy to report Master is refunding our boat portion of the trip. As for giving them the benefit of the doubt re the accident, the boat clearly went on the wrong side of the channel marker. It was a substitute captain since the regular captain was on vacation. Two regular crew members said the accident would not have happened if they had been in the wheelhouse with him.
I'm no boat captain, but I've driven boats (much smaller than the one in question) a number of times. It's super easy to lose track of where the channel is and get out of it. That's why it's good to have a professional and experienced captain driving a boat. Not surprising that a substitute captain screwed it up.