As a scuba diving instructor, your job comes with its own set of unique risks and liabilities. It's essential to have insurance coverage that protects you in case of accidents or injuries while teaching scuba diving. That's where scuba instructor insurance comes in.
PADI instructor insurance offers a comprehensive liability insurance policy for scuba instructors. This insurance policy protects you against claims of bodily injury, property damage, and personal injury that may arise during scuba diving instruction.
When it comes to the cost of scuba diving instructor insurance, the price varies depending on a number of factors, such as the level of coverage you choose, your location, and your experience as an instructor.Â
It's important to note that scuba instructor insurance is not just an optional add-on but a necessity for any professional scuba diving instructor. Without insurance coverage, you could be personally liable for any accidents or injuries during your scuba diving instruction.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
This scuba diving instructors insurance covers damages and injuries caused by your business operations, including instruction and related activities. It can help protect you from financial losses resulting from lawsuits and legal claims brought against your business.
The coverage limits of general liability insurance range from $500,000 to $2 million. Higher limits on this scuba instructor liability insurance are available and may range from $3 million-$5 million.Â
A student slips and falls on your boat, injuring himself
You accidentally damage a customer's camera equipment while on a dive
A student claims they were injured during a dive lesson and sues you for damages
Add-ons for general liability scuba diving instructor insurance may include:
Equipment rental liability insurance–This PADI dive instructor insurance coverage protects instructors who rent out scuba diving equipment to their clients. This policy covers the instructor if a client is injured or their property is damaged due to a faulty rental item
Participant accident insurance–This insurance covers scuba diving students and clients in case of accidental injury or death during a scuba diving lesson or excursion. It can cover medical expenses, lost wages, and other related costs
Marine liability insurance–This coverage protects against damage or injury caused by watercraft used in scuba diving activities, such as boats or dive platforms
Non-owned watercraft liability insurance–This optional dive instructor liability insurance coverage protects instructors against liability for accidents or damage caused by watercraft they do not own but may use during business activities
There is no legal requirement for scuba diving instructors to have general liability insurance. However, many scuba diving organizations and businesses require instructors to have this coverage in order to protect their customers and business operations. It is generally a good idea for scuba diving instructors to have general liability insurance to protect themselves and their business from financial loss due to third-party claims.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance grants protection against claims for negligence, inaccurate advice, lack of experience, and other errors and omissions you may commit as a scuba instructor. You usually buy this a stand-alone policy. However, some insurance companies offer professional liability insurance as an add-on to general liability insurance.Â
Public liability insurance for scuba diving instructors provides coverage for claims made against your business for injury or damage caused to a member of the public. This can include coverage for medical expenses, legal fees, and compensation costs.
Generally, coverage limits range from $500,000 to $2 million and may include coverage for medical expenses, property damage, and legal fees.
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance for scuba diving instructors is a type of insurance that provides coverage for the physical assets of your business, such as your equipment, tools, and buildings. This can include coverage for damage or loss caused by natural disasters, theft, fire, or vandalism.
Typically, coverage limits range from $100,000 to $1 million or more, depending on the size and value of the insured commercial property.Â
Fire or smoke damage–If a fire or smoke damage occurs, this insurance can help cover repairing or replacing damaged property, such as diving equipment, tanks, compressors, and other assets
Theft or vandalism–If scuba diving equipment or other property is stolen or vandalized, this insurance policy can help cover the replacement cost
Water damage–If water damage occurs due to a leaky roof or plumbing issue, this insurance policy can help cover the cost of repairs or replacement of damaged property
Business interruption insurance–This add-on can cover lost income and expenses if a covered peril causes a temporary shutdown of the business
Equipment breakdown insurance–This add-on can help cover the cost of repairs or replacement of specialized diving equipment, such as compressors or dive tanks, in case of a mechanical breakdown
It may depend on the policy and the specific circumstances. Commercial property insurance may cover damage to rental property used for scuba diving lessons if a covered peril, such as a natural disaster or upset, caused the damage.
