LIABILITY
INSURANCE FOR DIVE PROS PROS CHOOSE DAN Professional | Group Professional | General Liability
DAN.org/Liability
DAN HAS YOUR BACK Professional | Group Professional | General Liability
Dive pros rely on DAN for liability insurance that fits their needs PROFESSIONAL LIABILITY LIABILITY INSURANCE FOR INDIVIDUAL DIVE PROS DAN Professional Liability Insurance offers coverage up to US$1,000,000 per claim (US$2,000,000 aggregate) for dive professionals and dive professionals in training. • For individual dive pros • Recognized by all training agencies • Affordable, low premiums
GROUP PROFESSIONAL LIABILITY PROTECT ALL DIVE PROS ON ONE POLICY Dive centers and stores in all 50 U.S. states can select Group Professional Liability from DAN RRG to cover all dive professionals on staff with one policy. Plans provide coverage up to US$1,000,000 per occurrence / US$2,000,000 aggregate. • For all dive pros on staff • Protect all pros on one policy • Worldwide protection
GENERAL LIABILITY PROTECTION FOR DIVE CENTERS & STORES General Liability Insurance from DAN RRG protects dive businesses against slips 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. • For dive centers and businesses • Customized coverage options • Tour and travel agent liability available
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HIGHLIGHTS Preferred pricing for
DAN members Apply online quickly
and easily Coverage available
to businesses 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 No-charge to add
additional insureds Add/remove staff
at any time No maximum limit to
policy staff additions *Coverage not available in US territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the US Virgin Islands / Caribbean)
OPTIONAL COVERAGE Technical Dive Training Rebreather
Endorsement AAUS Cylinder Inspection
Instruction Excess Liability
($2 million/$3 million)
PROFESSIONAL LIABILITY INSURANCE Coverage For Individual Dive Pros
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 LIABILITY PROFESSIONAL TYPE
DAN MEMBER COST
NONMEMBER COST
Instructor (Scuba)
$829
$869
Assistant Instructor/Instructor In Training (Scuba)
$529
$569
Divemaster/Divemaster In Training (Scuba)
$529
$569
Freediving Instructor
$529
$569
Mermaiding/Swimming Instructor
$479
$519
Tail Coverage (Retired Scuba Instructor)
$529
$569
Tail Coverage (Retired Divemaster)
$299
$339
INCLUDED COVERAGE FOR QUALIFIED PROFESSIONALS Technical
$0
$0
Rebreather
$0
$0
$0
$0
Tour & Travel Agent Liability
$150
$158
Equipment Liability
$399
$469
Cylinder Inspection Instruction
$399
$469
Excess Liability ($2M/$3M)
$669
$709
OPTIONAL COVERAGE AAUS
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HIGHLIGHTS Preferred pricing for
DAN members Coverage available to
professionals in all 50 US states* Worldwide coverage
protects you anywhere in the world you train 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 *Coverage not available in US territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the US Virgin Islands / Caribbean)
OPTIONAL COVERAGE Technical Dive Training Rebreather
Endorsement Tour & Travel
Agent Liability AAUS Equipment Liability Cylinder Inspection
Instruction Excess Liability
($2 million/$3 million)
GROUP PROFESSIONAL LIABILITY INSURANCE Protect All Dive Pros On One Policy
Dive centers and stores in all 50 US states can select Group Professional Liability from DAN RRG to cover all dive professionals on staff with one policy. Plans provide coverage up to US$1,000,000 per occurrence / US$2,000,000 aggregate. GROUP PROFESSIONAL LIABILITY TOTAL ANNUAL BUSINESS REVENUE*
DAN MEMBER COST
NONMEMBER COST
$0 to $25,000
$2,089
$2,201
$25,001 to $50,000
$2,731
$2,920
$50,001 to $100,000
$3,650
$3,858
$100,001 to $150,000
$4,717
$4,970
$150,001 to $200,000
$6,107
$6,402
$200,001 to $300,000
$6,970
$7,325
$300,001 to $400,000
$7,686
$8,045
$400,001 to $500,000
$8,421
$8,828
$500,001 to $600,000
$9,287
$9,695
$600,001 to $700,000
$10,189
$10,650
$700,001 to $800,000
$10,943
$11,447
$800,001 to $900,000
$11,719
$12,269
$900,001 to $1,000,000
$12,567
$13,167
Revenues in excess of $1,000,000
Call
Call
INCLUDED COVERAGE FOR QUALIFIED PROFESSIONALS Technical
$0
$0
Rebreather
$0
$0
$0
$0
$400
$469
$0 to $150,000
$1,642
$1,737
$150,001 to $500,000
$2,279
$2,412
$500,001 to $700,000
$3,203
$3,390
$700,001 to $1,000,000
$3,776
$3,997
OPTIONAL ENDORSEMENTS AAUS Cylinder Inspection Instruction
EXCESS LIABILITY
*Total annual business revenue includes instruction only. All prices include tax and fees.
DAN.org/Liability
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HIGHLIGHTS Preferred pricing for
DAN members Coverage available to
professionals in all 50 US states* Worldwide coverage
protects you anywhere in the world you train 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 *Coverage not available in US territories (American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the US Virgin Islands / Caribbean)
OPTIONAL COVERAGE Technical Dive Training Rebreather
Endorsement Tour & Travel
Agent Liability AAUS Equipment Liability Cylinder Inspection
Instruction Excess Liability
($2 million/$3 million)
GENERAL LIABILITY INSURANCE
Protection For Dive Centers & Stores
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$2,000,000 per occurrence / US$3,000,000 aggregate. GENERAL LIABILITY INSURANCE TOTAL ANNUAL BUSINESS REVENUE* $0 to $50,000
DAN MEMBER COST
NONMEMBER COST
$977
$1,021
$50,001 to $100,000
$1,276
$1,337
$100,001 to $200,000
$1,737
$1,822
$200,001 to $300,000
$2,221
$2,332
$300,001 to $400,000
$2,640
$2,773
$400,001 to $500,000
$2,892
$3,038
$500,001 to $750,000
$3,168
$3,329
$750,001 to $1,000,000
$3,397
$3,570
$1,000,001 to $1,500,000
$3,561
$3,742
Stores with Revenues in excess of $1,500,000
Call
Call
OPTIONAL ENDORSEMENTS Additional Location Terrorism Tour and Travel Agent Liability Lakes & Quarries
$0
$0
$69
$73
$164
$174
$3,520
$3,705
EXCESS LIABILITY ENDORSEMENT $0 to $100,000
$844
$888
$100,001 to $300,000
$1,577
$1,661
$300,001 to $750,000
$2,359
$2,483
$750,001 to $1,500,000
$2,850
$3,000
*Total annual business revenue includes instruction only. All prices include tax and fees.
11 DAN.org/Liability
THERE ARE SO MANY REASONS WHY PROS CHOOSE DAN In-house medical, legal,
and risk mitigation support teams Recognized by all major
training agencies Policies available
to residents of all 50 U.S. states Worldwide coverage Financial Stability
Rating® of A, Exceptional, from Demotech, Inc. Affordable annual
premiums Annual policies can
be purchased any time during the year Financing for general
and group professional liability policies
MORE THAN AN INSURANCE POLICY Over $100 million reinvested in dive safety
When you trust DAN Risk Retention Group to protect you and your business, you get more than just a policy. You are backed by the knowledge and experience of an organization that has helped divers in need for almost 40 years. Plus, you’re joining forces with a team that has reinvested over $100 million in dive safety. So before you purchase or renew your policy, find out how DAN can help.
COMPANY TYPE
Dive safety organization specializing in insurance for divers, scuba diving risk mitigation initiatives and dive injury research
YEARS IN OPERATION
Since 1980 (almost 40 years)
MISSION
DAN’s core mission is to help divers in need of medical emergency assistance and to promote dive safety through research, education, products and diving services.
PROFITS
Reinvested in Injury Prevention Initiatives and Dive Safety Research for the benefit of the entire industry.
EMERGENCY ASSISTANCE
24/7 Emergency Hotline Staffed by Doctors, Nurses and Paramedics Trained in Dive Medicine
ENDORSED BY SUPPORTED BY
All Training Agencies (27+)
RISK MITIGATION PROGRAMS
The DAN Hazard Identification and Risk Assessment (HIRA) Program; Student Medical Expense Coverage; Risk Assessment Guide for Dive Businesses and Professionals
For more information about Demotech or Financial Stability Ratings® (FSRs), visit demotech.com or call (800) 354-7207. The most current FSR must be verified by visiting demotech.com.
13 DAN.org/Liability
LIABILITY CUSTOMER SERVICE
INCIDENTS AND CLAIMS
DAN RRG’s Liability Insurance team is ready to help you protect you or your business.
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 1-800-446-2671 FAX: +1 (919) 490-2935
Monday–Friday, 8:30 a.m.–5 p.m. ET 1-800-446-2671
EMAIL: LiabilityInsurance@dan.org
EMAIL: LiabilityClaims@dan.org
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