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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.
| 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.
Add-ons for general liability scuba diving instructor insurance may include:
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.
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.
Get all the best quotes from leading providers in a click of a button!
| 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.
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.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) is an inclusion in scuba diving instructors insurance that combines several types of insurance coverage, such as general liability, commercial property, and business interruption insurance. A BOP can help in a variety of situations, including:
The limit of the liability coverage may range from $1 million to $2 million. On the other hand, the property coverage of the BOP is $25,000-$50,000.
Some common add-ons or endorsements for business owner’s policy for scuba diving instructors are:
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance is a specialized insurance policy designed to cover loss or damage to tools and equipment used in a business or trade. Tools and equipment insurance can help in a variety of situations, including:
Most policies offer coverage limits that range from a few thousand dollars up to $100,000 or more, depending on the value of your equipment.
Tools and equipment insurance can provide leased or rented equipment coverage, as long as the equipment is listed on the insurance policy. Business owners should inform their insurance provider about any leased or rented equipment to ensure they have sufficient coverage in the event of a loss.
Boat insurance for scuba diving instructors is a type of insurance policy designed to provide coverage for boats used. This insurance is designed to provide financial protection against unexpected losses or damages that may arise while operating a boat for scuba diving instruction purposes. Coverage options for boat insurance for scuba diving instructors may include:
This type of insurance policy is designed to provide financial protection to employees who suffer work-related injuries or illnesses while working as scuba diving instructors. This policy can cover the cost of hospitalization, lost wages, medication, rehabilitation costs, and death benefits. Workers compensation insurance for scuba diving instructors can help in various situations, accidents, or incidents such as:
To file a claim with workers compensation, the injured employee should notify their employer immediately after the injury or illness. The employer should then file a claim with their insurance provider, who will investigate the claim and determine if the injury or illness is covered under the policy. If the claim is approved, the insurance provider will provide the necessary medical care and compensation to the injured employee.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $42 | $504 | $0-$500 |
| Professional liability insurance | $50 | $600 | $500-$1,000 |
| Commercial property insurance | $67 | $804 | $1,000-$2,000 |
| Business owner’s policy | $109 | $1,308 | $500-$1,000 |
| Workers compensation insurance | $83 | $996 | $500-$1,000 |
| Boat insurance | $125 | $1,500 | $500-$1,000 |
The average PADI instructor insurance cost is $42 per month or $504 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, and annual revenues. Here’s another table showing the cost of $1 million general liability insurance from companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $30 | $360 | Best overall; Fastest general liability insurance for scuba diving instructors |
| The Hartford | $33 | $396 | Underwriting expertise on scuba instructor workers comp insurance |
| CoverWallet | $35 | $420 | Comparing scuba diving instructor insurance quotes online |
| Thimble | $40 | $480 | Independent freelancers looking for short-term insurance coverage |
| Hiscox | $50 | $600 | Medium-sized scuba diving businesses with diverse insurance needs |
| Tivly | $50 | $600 | Comparing scuba diving instructor insurance quotes online |
Get all the best quotes from leading providers in a click of a button!
When finding the best insurance for scuba diving instructors, there are several companies to consider. We have reviewed some of the top providers in the industry. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability coverage.
NEXT Insurance was founded in 2015 with the aim of providing affordable and customized insurance policies for small businesses via an online platform. They achieved this by investing significantly in technology to directly sell and underwrite small business insurance policies online, eliminating the need for intermediaries and lowering costs.
Best for: Best overall; Fastest general liability insurance for scuba diving instructors
Average cost: $30 per month
Our rating: 10/10
The Hartford is a well-established insurance company that offers a range of coverage options for small businesses and tour guides, including scuba diving instructors. Their policies cover general liability, professional liability, commercial auto insurance, and other options such as cyber liability and data breach insurance.
Best for: Underwriting expertise on scuba instructor workers comp insurance
Average cost: $33 per month
Our rating: 10/10
CoverWallet is a provider of online insurance solutions for small and medium-sized businesses, with the goal of simplifying the process of purchasing insurance by enabling businesses to easily compare and buy policies digitally.
Best for: Comparing scuba diving instructor insurance quotes online
Average cost: $35 per month
Our rating: 10/10
Tivly is a digital insurance platform that provides on-demand coverage for small businesses. It works with insurance companies such as Liberty Mutual and The Hartford to grant coverage. Policies you can get from this company are general liability, commercial property, professional liability, and more. Call now to compare quotes over the phone. Call now to compare quotes over the phone.
Best for: Comparing scuba diving instructor insurance quotes online
Average cost: $50 per month
Our rating: 9/10
Thimble established in 2016, has already achieved significant success and boasts a rapidly expanding customer base of more than 30,000 businesses. Thimble’s popularity led to a growing demand for additional types of coverage.
Best for: Independent freelancers looking for short-term insurance coverage
Average cost: $40 per month
Our rating: 9/10
Hiscox is a specialized insurance company at the forefront of its industry. The company concentrates on particular types of insurance requiring specific knowledge, often focusing on areas that other insurers may consider too complicated to cover.
Best for: Medium-sized scuba diving businesses with diverse insurance needs
Average cost: $50 per month
Our rating: 10/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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