Are You Covered?

With litigation constantly on the rise, comprehensive liability protection is critical for today’s dive professionals.

Maintaining current liability insurance is not only good risk management, but it is also required in many (although not all) areas in order to remain in Teaching status. Although many members feel that liability insurance is only really necessary in the United States and maybe Canada, in recent years we have seen that this is not the case. These days, dive litigation is a truly global issue, with dive-related lawsuits being filed not only in the United States, but in many other locations.  Even in countries where civil litigation isn’t all that frequent, coroners’ inquests often are. Defending one’s self or business in a coroner’s inquest involving a diving death or serious injury can be an extremely expensive proposition without insurance.

Dive professionals need professional liability insurance to cover them for claims resulting from accidents while training divers and snorkelers, supervising and guiding dive excursions, or even assisting an instructor during a training course. In addition, those providing the equipment for their student divers and course participants also need equipment liability coverage, because professional liability coverage alone will not defend accidents in which the equipment provided was alleged to be the cause.

Dive operations should also maintain general liability insurance, covering accidents resulting from products sold, rentals and repairs, air fills, slips-and-falls and so on. In some areas, stores/resorts may purchase group professional policies that insure the store and all the store’s associated professional staff for teaching and supervisory liability.

Given the increasing frequency and global reach of scuba-diving lawsuits, it’s recommended that every PADI Member obtain the information necessary to make wise insurance decisions. Having insurance coverage when a dive accident occurs can make the difference between being properly defended or being financially ruined even when, as is usually the case, you have done nothing wrong. You can still be sued, and you still need to be defended. In today’s world, every active dive professional and dive operator can benefit from dive insurance.

Sign up for the PADI endorsed V Insurance Professional Indemnity Policy today.

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