I do not know you and as we probably never sailed together how do you know how we (My wife and I) work.
As a matter of fact we do own the Hanse 400 - ARGO, the yacht on offer. (S.I.T.E.S.A.P.
) And yes it is a barboat with a skipper, give it a name. I am focused on yacht charters with skippers, not on chartering bareboat yachts. That's a big difference in the service I offer!
Most/lots of the yachts in Greece, even motor yachts with permanent crew, work with the contract for bare-boat charter.
I have earned my tracks in Greece (the last 8 years) working for many charter offices and yes I work (mostly) by myself now, or with my wife. Buying lots of boats does not seem a very healthy "business" to me as there are already to many yachts in the Greek waters and good maintenance cost lots of money. My business plan is to pick out the right yacht for the clients and enjoy what I enjoy, sailing as a skipper with my clients.
As a RYA licensed skipper I keep my first aid up to date and pay for an extra skipper Liability insurance (The cover sum is EUR 10,000,000.00 for personal injury and damage to property) to make sure every situation is covered (I dont know if the bigger companies offer this, they never insured me when I was working for them). Standard yacht liability under the standard contract is not different with the other companies you mention (we all work with the same licenses and laws that we have here in Greece). Besides that, I have never had any serious incident on any of my charters (knock on wood).
I have many old clients, boat owners, agents and fellow sailors that would love to talk to anyone who has any questions about me and my wife as skipper and hostess/cook. I can supply email and phone numbers to those who like to do so.