How are instructors/trainers dealing w/liability?

[fcallagy]

Bumping this thread a bit.
Is the simplest way to get all your students to get Dan indidual insurance at E68 each. They are then covered for all eventualities and are claiming on their own insurance. I realise its another unwelcome cost but would it solve these matters once and for all ?

 

[kelp princess]

In this case a waiver would not have been able to stop the pool from being responsible for such negligence if the information was available and accessible that such levels were significantly dangerous to human health. So, once again the waiver is fine in that it does not take away this right of yours.

as an instructor i have several levels of insurance, i have my own basic DAN membership insurance as a diver ( and it covers my family because i chose that option), i have another level of "preferred" DAN insurance because it covers me at ANY depth - please be advised that the basic DAN insurance does not cover all diving at all depths! go for the preferred it will probably be worth the extra premium some day. i also have liability coverage as a dive instructor that is the most expensive for me every year - $600 US.

when i teach at a pool, usually the shop i am working through or the pool facility i use carries their own insurance. since we act as contractors I believe the liability insurance we carry covers us but in the case of a student getting sick from too high chlorine leves i would have taken that up with the pool manager directly to recompensate the student. any good pool will carry insurance for these types of events and i don't think a students should have to forfeit his or her health because they sign a waiver.

that's what insurance is for...in CASE of an emergency

kp

 

[tylerz]

Bumping this thread a bit.
Is the simplest way to get all your students to get Dan indidual insurance at E68 each. They are then covered for all eventualities and are claiming on their own insurance. I realise its another unwelcome cost but would it solve these matters once and for all ?

I don't believe this would work, because it covers the interests of the students certainly, but does nothing for the instructor. When a claim is made the insurance company basically takes on the role of the claimant as a victim and attempts to sue whoever they can to recover costs. Insurance does not work with the idea that simply because the student paid the insurance fees and if a valid claim is made, the insurance companies pays up and moves on. The underwriters always look for a guilty party and takes action on that.

 

[samdive]

Tyler's right. Even if the students are insured for their own personal accident/diving accident, the instructor still needs liability insurance.