Professional Liability Insurance

For active and inactive dive professionals, dive professionals in training, assistant instructors and instructors, DAN Professional Liability Insurance offers coverage up to US$1,000,000 per claim / US$2,000,000 aggregate.

Professional TypeDAN Member CostNonmember Cost
Instructor (Scuba)$829$869
Assistant Instructor/Instructor In Training (Scuba)$529$569
Divemaster/Divemaster In Training (Scuba)$529$569
Freediving Instructor$529$569
Swimming Instructor$479$519
Tail Coverage (Retired Scuba Instructor)$529$569
Tail Coverage (Retired Divemaster)$299$339
Included Coverage For Qualified Professionals
Optional Endorsements
AAUS $0$0
Tour & Travel Agent Liability$150$158
Equipment Liability$399$469
Cylinder Inspection Instruction$399$469
Excess Liability ($2M/$3M)$669$709

*All prices include tax and fees

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  • Preferred pricing for DAN members
  • Coverage available to professionals in all 50 US states
  • Worldwide coverage protects you anywhere in the world you train
  • Coverage up to US$1,000,000 per claim / US$2,000,000 aggregate
  • Excess Liability Coverage raises policy limits to US$2,000,000 per claim / US$3,000,000 aggregate
  • Recognized by all major training agencies
  • Dive professionals in training are eligible for coverage
  • Technical or rebreather endorsements included at no additional charge for qualified professionals
  • Add additional insureds at any time
  • No-charge to add additional insureds
  • DAN World Insurance Group SP offers liability insurance coverage for dive professionals and operators located in the Caribbean and select U.S. territories.

Optional Coverage

Technical Dive Training

Coverage for teaching and supervising recreational technical diving activities. Must be an active Technical Instructor.

Rebreather Endorsement

Coverage for claims for Bodily Injury or Property Damage resulting from a covered occurrence which occurs during the supervision of, instruction in, and orientation to the designated rebreather.

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.


Extends coverage for the instruction or supervision of activities sanctioned by the American Academy of Underwater Sciences (AAUS).

Equipment Liability

Coverage for claims alleging defective or malfunctioning equipment. Provides coverage to instructors who provide equipment during training. Applies to equipment owned by the insured and used in the insured’s classes. 

Cylinder Inspection Instruction

Coverage for training given by a certified instructor in the performance of cylinder inspection services.

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.

Have liability insurance questions? Explore our extensive knowledge library.

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 PL109 (May 1, 2022), GL109 (May 1, 2022) and GPL109 (May 1, 2022). Coverage may vary and may not be available in all states, countries, or territories. Financing subject to loan approval. RRG-05012022-SPO