Just did a 10 BVI charter in June....
I have only been sailing a few years, have owned a 21' and currently own a 28' Newport, 95% protected inland water sailing. We used Tradewind Yacht charters and they did not require a bareboat certificate. They are more interested in your ability read a chart, do line of sight navigation, know how to find the markers and channels and your experience with an inboard diesel powered sailboat, and of course, your credit cards.I have taken the USCGAUX Advanced Navigation course, $35.00, and it was a help, but not necessary. Check out the companies web site, print out their sailing resume's, send them in and get preapproved for the size you qualify for. I qualified for a 40 footer with Moorings and Tradewinds, with just my wife as crew. The bareboat certification thing kind of seems unnecessary to me. Have a great trip!