where do we snorkel?
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You should have mentioned the date of your cruise. If it is near term, perhaps Grand Cayman isn't going to be one of your stops after all. If the cruise isn't until next year, then you should be fine.
With that said, you will find that the best snorkeling, on any island, will be where the shoreline is rocky. Coral needs the hard surface of rock (or other hard material such as a ship wreck) to grow on. It is the coral that attracts the majority of the pretty fish. Sponges also need a hard surface where they can grow. So you won't find very good snorkeling at sandy beaches. Sure, you can wade out into the water and snorkel around. You will probably see a few fish as well, but it won't be anything like a rocky shore.
Eden rock is often mentioned as a good place to snorkel for cruisers. It is close to where the ships tender ashore in Georgetown. There are 2 dive shops close by where you can rent gear, look at a map of the site, and even do a discover scuba if that interests you.
If you have your own snorkel gear, you could go to a different snorkel site that won't have nearly as many people at it. Smith Cove comes to mind, but there are others. I would beat that if you got in a taxi and asked the driver for some suggestions, he would be happy to make some. If you do go to an out of the way site, arrange with the driver to return at a pre-determined time for a ride back. There is supposed to be good diving from shore at/near the turtle farm so the snorkeling will probably be good there. Spanish Bay resort also is supposed to have an excellent shore dive and probably snorkel site as well. Some ships offer an "all inclusive" excursion there, but you should be able to just go there in a taxi on your own for much less. Just be sure to allow enough time to return to the ship at the end of the day.
Here is a link to a list of snorkeling sites.
Of all the Caribbean islands, the Cayman Islands probably have the highest standard of living and the lowest crime rate, so I would feel quite safe there. Take the usual precautions, stay together, and you'll have a "grand" time.
My Grand Cayman underwater photo gallery
Carnival Spirit - Spirit Kukui Nuts
Check out my pictures of Hawaiian Cruise:
NCL Norwegian Star Texribbean 1997
Carnival Conquest W. Caribbean 2003
Grand Princess Western Caribbean 2004
Carnival Spirit Hawaii 2007
Have Fun, Rick and Lynn
If you are also going to Grand Cayman we have found two options for snorkeling. You can go to Stingray City, which is lots of fun. You can just get off the ship and find a tour. Or, you can walk to a spot right near where the ships tenders dock. You get off the tenders and when you get to the street you turn right and walk a couple of blocks. There is a place that rents lounge chairs on a small man-made beach and they have a small snorkeling place. You won't see that much but it is still fun.
If you are going to Cozumel, I would highly recommend going to Chankanaab Park....admission fee of about $10 per person to get into the park.Actually, the admission to Chankanaab park is $12 for adults, $6 for kids, cash only.