90s erotic thriller

1990-92, tv movie, usa, no famous actors

A married couple and their red haired helper/maid are on a boat at sea. Some criminals hijack the boat. The maid seduces one of them, they have sex multiple times. When a police boat approaches, the criminals force the maid to lose her top to avert suspicion.

It is NOT Dead Calm!

Pls help


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