I understand liability. My husband and our company was sued at no fault of our own. The law suite had nothing to do with us. Other then my husband business relations with the company being sued. You can have an "accredited" company and still have something that happens that is beyond the companies control. Like weather or sharks. We sometimes go on independent tours, on our own, and as well as cruise excursions done by the ship. We realize their is a no guarantee of either of these.
If we really want to book a similar excursion, we will do it with an independent operator or do something different. I just wasn't sure if it was Celebrity, Country or Company requiring the age limit. We haven't run into this in all our travels.