General Liability Insurance

General Liability Insurance from DAN RRG protects dive businesses against trip and falls, equipment rental claims, tank-fill injuries and more. Coverage available up to US$1,000,000 per occurrence / US$2,000,000 aggregate.

Total Annual Business Revenue*DAN Member CostNonmember Cost
$0 to $50,000$1,050$1,097
$50,001 to $100,000$1,380$1,443
$100,001 to $200,000$1,880$1,968
$200,001 to $300,000$2,400$2,514
$300,001 to $400,000$2,860$2,997
$400,001 to $500,000$3,135$3,286
$500,001 to $750,000$3,430$3,596
$750,001 to $1,000,000$3,680$3,858
$1,000,001 to $1,500,000$3,860$4,047
Stores with Revenues in excess of $1,500,000CallCall
Optional Endorsements
Additional Location$0$0
Tour and Travel Agent Liability$200$210
Lakes & Quarries $3,800$3,990
Excess Liability Endorsement ($2M claim/$3M aggregate)
$0 to $100,000$900$945
$100,001 to $300,000$1,650$1,733
$300,001 to $750,000$2,500$2,625
$750,001 to $1,500,000$3,000$3,150

*Excess liability endorsement cost based on total annual business revenue.
Total annual business revenue is total revenue minus water instruction, and travel. All prices include tax & fees.

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  • Preferred pricing for DAN members
  • Coverage available to businesses in all 50 US states
  • Coverage up to US$2,000,000 per claim / US$3,000,000 aggregate
  • Covers trip and falls, equipment rental, tank-fill injuries – and more
  • Additional locations can be added at no additional charge
  • Optional coverage for acts of terrorism, tour and travel agent liability, lakes and quarries, and excess liability.

Optional Coverage

Additional Location

Extends coverage to include one or more additional locations with the same business name.


Insurance is extended to include liability and expenses directly resulting from any “act of terrorism” as defined in the U.S. Terrorism Risk Insurance Act (TRIA) of 2002.

Tour & Travel Agent Liability

Extends coverage to services provided in the role of tour or travel agent, or otherwise arranging activities for customers with airlines, hotels, resorts, dive operators, concessionaires, vendors or subcontractors.

Lakes & Quarries

Extends liability coverage to a lake, cave, spring or quarry owned by the named insured.

Excess Liability ($2 million/$3 million)

Optional coverage increases policy limits to $2,000,000 per claim / $3,000,000 aggregate from the base policy limits of $1,000,000 per claim / $2,000,000 aggregate.

Instant Quote

*Rates subject to change without notice. Estimated annual premium calculated with 15.9% interest rate. Rates may vary.

Frequently Asked Questions

Get answers to your General Liability Insurance questions by watching our new videos.


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Liability Customer Service

DAN RRG’s Liability Insurance team is ready to help you protect you or your business.  

Monday–Friday, 8:30 a.m.–5 p.m. ET

FAX: +1 (919) 490-2935


Incidents And Claims 

Collect all relevant information and send it to DAN RRG. If the incident involves a fatality or serious bodily injury, contact us immediately.

Monday–Friday, 8:30 a.m.–5 p.m. ET




Subject to the terms, conditions, and limitations of DAN Risk Retention Group Policy IPL111 (April 1, 2024), GL110 (June 22, 2023) and GPL111 (April 1, 2024). Coverage may vary and may not be available in all states, countries, or territories. Financing subject to loan approval. RRG-04012024-SPO

DAN World Insurance Group SP is a wholly owned subsidiary of Divers Alert Network, with offices at c/o Artex Risk Group, 3rd Floor, Willow House, Cricket Square, 171 Elgin Ave., P O Box 10233, Grand Cayman KY1-1002 Cayman Islands.