DIVE PRO & BUSINESS LIABILITY INSURANCE

Text by the Bi-me & Itoo teams

DAN PARTNERS WITH BI-ME AND ITOO TO LAUNCH COMPREHENSIVE LIABILITY AND INDEMNITY COVER FOR DIVERS. In a groundbreaking collaboration, with the world’s most recognised and respected dive safety organisation, Divers Alert Network Southern Africa has partnered with Bi-me—South Africa’s leading digital business insurance platform—to offer specialised insurance coverage tailored for the diving community. Developed in conjunction with iTOO, Hollard’s specialist liability provider, this strategic alliance introduces SureThing Diver Cover, an innovative insurance product designed to protect diving professionals across South Africa.

A Collaborative Effort to Safeguard Diving Professionals

The diving industry presents unique risks and liability challenges that standard insurance policies often fail to fully address. Recognising this, DAN Southern Africa, Bi-me, and iTOO have come together to fill this critical gap by offering a comprehensive, all-in-one policy that covers a broad spectrum of liabilities.

The SureThing Diver Cover consolidates multiple liability concerns—including bodily injury, property damage, professional indemnity, and product liability—into a single, seamless policy. Notably, it also includes coverage for legal costs associated with third-party claims, ensuring that dive operators and professionals can focus on their passion without the financial burden of unforeseen liabilities.

Bringing Digital Innovation to the Diving Industry

Launched in 2021, Bi-me (bi-me.co.za) was South Africa’s first fully digital business insurance platform, representing a significant leap forward in how small businesses and professionals access and manage their insurance.

With its intuitive, user-friendly interface, the platform enables diving businesses to:

• Obtain instant online quotes—without broker intervention.

• Purchase coverage digitally and generate policy documentation immediately.

• Access policy details 24/7 through an online portal.

• Experience a streamlined, paperless claims process.

• Benefit from direct integration with leading insurers and underwriting agencies.

"Our digital-first approach eliminates the traditional barriers to accessing specialised business insurance," says Francois Potgieter, CEO of Bi-me. "By partnering with DAN SA, we're extending this innovation to the diving industry, making comprehensive insurance accessible at the click of a button."

Revolutionising Insurance Access for the Diving Community

The partnership between DAN SA, Bi-me, and iTOO underscores a shared commitment to enhancing diver safety and financial security. For DAN SA—an organization dedicated to promoting diver health and safety—ensuring accessible, affordable, and effective insurance for diving professionals was a natural step forward.

With many dive operators running small businesses, balancing cost and coverage has always been a challenge. SureThing Diver Cover bridges this gap by bundling critical protections, such as public liability and professional indemnity, into a single, easy-to-manage policy.

"The diving industry has distinct insurance requirements that traditional policies often fail to comprehensively address," explains Morné Christou, CEO of DAN Southern Africa. "This partnership with Bi-me and iTOO ensures that our members gain access to specialised coverage that truly understands the intricacies of diving operations."

As South Africa's first all-in-one, all-risk third-party legal liability policy, SureThing Diver Cover has been meticulously tailored to safeguard diving operators, instructors, and businesses from the diverse risks they face in their daily activities.

Key Benefits for the Diving Industry

• Seamless digital application—quick, hassle-free sign-up via Bi-me's online platform.

• Comprehensive third-party liability protection, specifically designed for diving operations.

• Simplified claims process, backed by industry-specific expertise.

• Cost-effective insurance solutions, accessible to diving businesses of all sizes.

This collaboration marks a significant milestone in protecting South Africa’s diving industry, ensuring that dive professionals can focus on delivering world-class diving experiences—without worrying about potential legal or financial setbacks.

A Bold Step Toward a Safer, More Resilient Diving Community

As DAN Southern Africa, Bi-me, and iTOO roll out this initiative, they set a powerful precedent for innovation in insurance. By customising SureThing for the diving industry, they demonstrate the value of collaboration in developing specialised insurance solutions for niche professions.

For dive operators, instructors, and business owners, this means greater peace of mind—knowing they are fully protected against unforeseen risks. On a broader scale, this initiative raises the standard for how specialized industries access and manage insurance, reinforcing the importance of partnership-driven innovation.

For more information about SureThing Diver Cover, visit bi-me.co.za or contact DAN Southern Africa directly at liability@dansa.org.