Please make sure the vessel is covered by an appropriate insurance policy. The delivery skipper should be added on the policy under “the insured” This means that the boat, the owner and the skipper are all covered. This should just take a phone call or email. No extra cost.
Most insurers require a minimum of two competent adults aboard for over night passages.
If the owner is on board, and you have hired a skipper or someone to crew for you, it is best that the owner takes ultimate responsibility in the case of an incident. That way the insurer is not tempted to claim gross negligence against the Skippers or Crew.