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Scuba Diving Instructor Insurance: Cost & Quotes From $44/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Scuba Diving Instructors1.1. Coverage Limits of General Liability Insurance for  Scuba Diving Instructors1.2. Specific Situations Where This Insurance Can Help1.3. Add-ons to General Liability Insurance for Scuba Instructors 1.4. Is General Liability Insurance Required for Scuba Diving Instructors?2. Professional Liability Insurance for Scuba Diving Instructors3. Public Liability Insurance for Scuba Diving Instructors4. Commercial Property Insurance for Scuba Diving Instructors4.1. Coverage Limits of Commercial Property Insurance for Scuba Diving Instructors4.2. Specific Situations Where This Insurance Can Help4.3. Add-Ons of Commercial Property Insurance for Scuba Diving Instructors4.4. Does Commercial Property Insurance Cover Damage to Rental Property Used for Scuba Diving Lessons?5. Business Owner’s Policy for Scuba Diving Instructors5.1. Coverage Limits of Business Owner’s Policy for Scuba Diving Instructors5.2. Add-Ons to Business Owner’s Policy for Scuba Diving Instructors6. Tools and Equipment Insurance for Scuba Diving Instructors6.1. Coverage Limits of Tools and Equipment Insurance for Scuba Diving Instructors6.2. Add-Ons to Tools and Equipment Insurance for Scuba Diving Instructors6.3. Can This Insurance Cover the Lease or Rent Equipment?7. Boat Insurance for Scuba Diving Instructors8. Workers Compensation Insurance for Scuba Diving Instructors8.1. What is the Process for Filing a Claim With Workers Compensation Insurance for Scuba Diving Instructors?9. PADI Instructor Insurance Cost10. Best Scuba Diving Instructor Insurance Companies10.1. NEXT Scuba Diving Instructor Insurance 10.1.1. Pros10.1.2. Cons10.2. The Hartford Scuba Diving Instructor Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Scuba Diving Instructor Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Scuba Diving Instructor Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Scuba Diving Instructor Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Scuba Diving Instructor Insurance 10.6.1. Pros10.6.2. Cons

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. 

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.

General Liability Insurance for Scuba Diving Instructors


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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.


Coverage Limits of General Liability Insurance for  Scuba Diving Instructors

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. 


Specific Situations Where This Insurance Can Help

  • 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 to General Liability Insurance for Scuba Instructors 

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


Is General Liability Insurance Required for Scuba Diving Instructors?

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.


Professional Liability Insurance for Scuba Diving Instructors


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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. 


Public Liability Insurance for Scuba Diving Instructors

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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Commercial Property Insurance for Scuba Diving Instructors


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


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.


Coverage Limits of Commercial Property Insurance for Scuba Diving Instructors

Typically, coverage limits range from $100,000 to $1 million or more, depending on the size and value of the insured commercial property. 


Specific Situations Where This Insurance Can Help

  • 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


Add-Ons of Commercial Property Insurance for Scuba Diving Instructors

  • 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


Does Commercial Property Insurance Cover Damage to Rental Property Used for Scuba Diving Lessons?

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.