Professional Liability Coverage 

RISK MITIGATION IS AN ESSENTIAL ELEMENT of any effort to promote diver safety. But even if a dive professional is always careful, follows all safety and training protocols, and judiciously complies with risk mitigation recommendations, the fact is that accidents, mistakes, and events beyond anyone’s control still happen. 

If you’re a dive pro or dive business owner, no matter how safe you try to be, you are always at risk financially if someone is injured while under your supervision, in your shop, being trained by you, or even being rescued by you. For this reason it’s imperative that you have the right insurance coverage to protect your assets, your business, and your career.

Most coverage benefits only the person who procured the policy. Liability insurance for dive professionals (like automobile liability insurance for drivers), however, provides benefits to the professional who purchased the policy as well as the injured student or diver with a legitimate claim against the professional. Introduced in 2016, DAN liability insurance offers important benefits such as: 

  • Preferred pricing for DAN members
  • Available to dive professionals in all 50 U.S. states
  • Worldwide coverage
  • Customizable plans
  • Profits reinvested in dive safety programs 

If you’re a dive professional or business owner, find the coverage you need at

With excellent risk mitigation practices you can greatly limit your liability. While the best-case scenario is that you’ll never need your liability insurance, one thing is certain: You can feel more secure knowing that you have a professional liability policy to protect your financial security and your dive career.  

© Alert Diver — Q2 2022