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Any operation of a boat for pay has to be by a coast guard licenced captain. There are some exceptions for operating harbor launches.
Without the licence, you face real liability and you will not be able to get insurance for a charter operation.
Surf the web for tons of info on licence qualifications and schools that help get the licence. If you have been on boats all your life then you may pass the requirement of 360 days at sea. You'll need to pass the exam.
Good luck
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