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The civil liability of a recreational diver may include a duty of care to another diver during a dive. Breach of this duty that is a proximate cause of injury or loss to the other diver may lead to civil litigation for damages in compensation for the injury or loss suffered.
Insurance can be a significant cost for a diving instructor. This may include: Public liability insurance. [29] Insurance through the certification agency. Medical insurance. Instructor and staff. Learner divers. Unemployment insurance. Compensation for occupational injury and illness.
DAN and NAUI allied in 2007 to work together for diver safety. DAN is the official dive accident insurance provider for NAUI. In November 2015, DAN and NAUI renewed their alliance to extend their reach of dive safety programs. [51] NAUI initiated a worldwide coverage instructor liability insurance policy in 1974. [52]
A risk retention group is a corporation or limited liability association formed under the laws of any state for the primary purpose of assuming liability exposures on behalf of its members. Members of the group must be engaged in similar activities or related with respect to liability exposures by virtue of any related or common business ...
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
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