DAN Liability Insurance for Dive Pros

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

5 DAN.org/Liability

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

7 DAN.org/Liability

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

9

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