Risk is inherent to all types of diving. As a leader in the dive community, you are responsible for keeping yourself and your divers safe — and sustaining your business. DAN’s professional liability insurance coverage directly addresses the real-world demands of instructors, and our programs are available to DAN Professional Members at the lowest possible rates.
Training has changed.
While e-learning programs and independent study save time and give students more flexibility, new protocols also mean instructor-student contact time has been reduced.
Equipment is More Sophisticated.
Diving equipment is “smarter” and more intuitive, facilitating a culture of gear-reliance, but diving takes place in a harsh environment where things can and do go wrong.
We Live in a Litigious Society.
When training, certifying or supervising dive activities, professionals are accepting legal responsibility for up to seven years. Even if all training is conducted perfectly, you may remain liable.
What insurance products do you offer for dive professionals?
The DAN Risk Retention Group offers Professional Liability (both individual and group) and Commercial General Liability Insurance. DAN also offers Dive Accident Insurance, trip/travel insurance and free student medical expense coverage for open-water students.
Is my policy a claims-made or occurrence-based policy?
The Professional Liability policy is a claims-made policy, meaning that coverage is triggered when a claim is made against the insured and it is reported to the underwriter while the policy is in force. If no claim is made while the policy is in force, there is no coverage for that claim. Under an occurrence-based policy, coverage is triggered on the date the bodily injury or property damage occurs, even if that date is after the end of the policy period.
Who is eligible to purchase coverage?
At this time, the DAN liability coverage is available to US residents only with future plans to extend coverage to other countries.
How quickly can I get a quote?
You can get an instant quote on DAN.org/liability.
Do DAN Professional Liability plans meet training agency requirements for coverage?
Yes. The DAN liability coverage meets the insurance requirements of all dive training agencies.
Where am I covered when I teach or supervise divers?
The Professional Liability policy offers worldwide coverage to U.S. residents, no matter where in the world you teach or supervise divers.
Am I covered to teach rebreathers or technical diving?
Yes, you may customize your plan to include the Rebreather and/or Technical Dive Training Endorsement at no additional charge. Applicants must carry the appropriate certifications/ratings for coverage to be valid.
Can I purchase coverage as a free-diving or swimming instructor?
Yes, our policies provide options for those who do not teach scuba but are qualified to teach free-diving, RSSA (Recreational Surfaced Supplied Air) diving, swimming, skin diving and snorkeling.
Can I add an endorsement after I purchase my policy?
Yes, you can add any endorsement later and pay the pro-rated amount for the remainder of your policy term.
Is there any way to cover excess limits above and beyond the standard US$1,000,000 per claim/US $2,000,000 aggregate?
Yes, you may customize your plan to include the Excess Liability Endorsement, which will increase your policy limits from US$1,000,000 per claim/US $2,000,000 aggregate to US$2,000,000 per claim/US$4,000,000 aggregate. There is an additional premium for the higher limits.
Who can be an “additional insured”?
Additional insureds are third parties who can be added to the policy at no additional cost. The listed additional insureds will then be protected under the named insured’s policy and can file claims in the event they are sued for any incidents that revolve around your guidance or instruction. Instructors or divemasters may not be added as additional insureds, they must have their own professional liability coverage or be listed as Insured Staff Members under a group policy.
Are there fees to add additional insureds? Are there any fees for policy upgrades?
There is no additional cost to add additional insureds. There are no additional fees for upgrades.
Can I purchase equipment liability for my personal gear I loan students?
Yes, you can purchase the Equipment Liability Endorsement, which will provide you with coverage for claims alleging defective or malfunctioning equipment that you own which is being used by students or other customers.
When will my policy become effective?
The effective date is generally 12:01 a.m. on the day after you submit your application, however approval may take up to 48 hours. If you prefer a later effective date, you may choose the date you would like coverage to begin. To avoid a lapse in coverage, please submit your application prior to the expiration date.
Can I apply for coverage online?
Yes, coverage can be purchased at DAN.org/Liability. Once the application is approved and payment confirmed, confirmation is sent via email with a link that will take you to the policy documents.
How do I access my proof of coverage?
Once your policy has been issued, you can login to your account at DAN.org/liability to print your declaration page and insurance card at any time.
Who do I contact if I have questions?
For questions, contact a member of our liability insurance team by phone at +1 (919) 490-2934 or by email at LiabilityInsurance@DAN.org.
Do I have to pay up-front for my Personal Liability Insurance?
Yes, the policy needs to be paid for the coverage to be in effect. All premiums are fully earned, and there are no refunds.
I am a DAN Member, do I get a discount on my Personal Liability Insurance policy?
Yes, as a DAN Member, you are eligible to receive a discount on each of the policies sold by DAN Risk Retention Group. If you need to renew your DAN membership or sign up, you can do so at DAN.org/Join.
I only need coverage for a couple of months. Do you offer short-term policies?
We do not offer short-term policies. Our policies are 12-months long.
When do I need to renew my Professional Liability policy?
If you want continuous coverage, you need to renew no later than the day before your existing policy expires. Renewal notices will be sent to remind you; however, you can renew as late as the day before your policy is due to expire to keep your coverage without lapsing.
I won’t be teaching again for a while, why should I renew my coverage?
Since the insurance you are purchasing is a “claims made” policy, it requires you to have coverage at the time the claim is made. If a claim is made and your coverage has lapsed, you will not be covered.