2020/2021 Liability Insurance Relief FAQs

 No, your existing coverage and endorsement(s) remain the same.

 DAN RRG will provide current Insureds with a policy endorsement to confirm the policy term extension. 

 No action by the Insured is required to extend the policy term. As a liability insurance Insured, you automatically receive the 90-day policy term extension.

No. DAN will notify your training agency about your policy term extension. 

Yes, you will receive a renewal/billing notice adjusted to match your new liability insurance renewal date. 

We are unable to offer a split payment plan to current Insureds. The split payment plan is for new DAN RRG liability insurance Insureds only. 

Going forward, the renewal date of your liability insurance policy will be the same date as your 90-day policy term extension. For example, if your original policy renewal date is June 30, and the 90-day policy term extension is added, your renewal date this year and in all subsequent years will be September 28. 

Yes. Current Insureds with coverage that expired before May 1, 2020 are eligible to receive the 90-day policy term extension. However, the extension would be applied to the end of the 2020/2021 policy.

The policy term extension is exactly 90 days no matter how many days are in each month. For example, if the renewal date of your policy was February 1, 2020, the term of your coverage would be extended until May 2, 2021. 

No, the renewal cannot be cancelled and refunded. However, the expiration date for the policy will be extended by 90 days at the end of the policy so you still receive the same benefit. 

For example, if you renewed your Liability policy in April but the effective date of your renewal policy is May 15, 2020, the term of your coverage would be extended until August 13, 2021.

DAN RRG has extended the policy term by 90 days for all professional, group professional and general liability insurance policies that were active as of May 1, 2020. If you hold multiple DAN RRG policies, the policy term extension applies to each valid policy.

The policy term extension applies only to DAN RRG liability insurance policies. DAN is not currently able to offer a policy term extension on membership or dive accident insurance. 

The split payment option is valid until July 31, 2020. DAN RRG with honor the split payment plan (25% down payment / 75% balance due in 90 days) as long as an application is started before this date.

Yes, the policy will be cancelled if DAN RRG does not receive full payment by credit card by the extended premium due date. Checks will not be accepted, and prorated refunds will not be issued. This program is not financing; it is an accommodation in how the payment is made. 

No. The split payment option is the only option available for new customers seeking to purchase a individual professional liability insurance policy. The split payment option is only available for new professional liability insurance customers.

DAN will provide a complimentary membership ($35) to new insureds who have not yet joined DAN. This will allow those customers to enjoy preferred pricing. New insureds who want a family membership would pay only $20; the balance would be paid by DAN RRG.

No. Payment must be received by DAN RRG on or before the date your second payment is due.

Yes. You will receive a reminder to pay the balance of your premium from DAN RRG.

No. Once the 25% down payment is made, the balance must be paid in full with one additional credit or debit card payment. This program cannot be financed.

Yes. New professional liability insurance customers may, if desired, pay off the balance early without penalty.

DAN RRG offers financing on general and group professional liability insurance policies for new and renewing customers through FIRST Insurance Funding, the largest premium finance company in North America. Financing terms and conditions are set by FIRST Insurance Funding.

No. New customers are required to utilize the financing options that DAN RRG has established to support the program. Other outside financing is not permissible. 

Yes. Changes can be made at any time. You can add or purchase endorsements and riders, add or remove staff, and add or remove additional named insureds. Contact a liability insurance representative for assistance.

Additional insureds are third parties who can be added to a policy at no additional cost. The listed additional insureds are then protected under your policy and have coverage against claims that result from professional services you (the named insured) provide as a dive leader, instructor or business owner.

You can get an instant quote at DAN.org/Liability.

Upgrades may incur an additional premium depending on what’s added to the policy. Any additional premium is calculated on a pro-rated basis.

There is no additional cost to add additional insureds or staff.