FAQs

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1	I am going inactive, and will no longer be teaching or supervising divers, what do I need to do?
2	What do I need to do in order to upgrade my insurance?
3	Do we have loss/theft policy for my personal gear?
4	Does the policy mandate specific waivers?
5	If I am an instructor with multiple agencies, do I have to purchase more then one policy?
6	How quickly should I report an incident/accident?
7	Who receives a copy of my documents?
8	Why can't this policy be cancelled?
9	Why is it important to not have a gap in insurance coverage?
10	What is the difference between "claims made" and "occurrence" form?
11	I was on a Group Professional Liability policy, but I am no longer with the store, what do I need to do?
12	What types of incidents/accidents should be reported?
13	What if there is a claim brought against me? Does the insurance cover legal defense expenses?
14	Does the policy cover Nitrox/rebreather training?
15	What is Equipment Liability?
16	What is a Technical Endorsement, and who needs it?
17	What and who are Additional Insureds?
18	If I am assisting with a class, does the instructor who is teaching the class provide coverage for me?
19	What is the quickest way to purchase insurance?
20	Can I make installment payments for the individual insurance?
21	Whom do I make checks payable to?
22	Who is eligible to purchase insurance?
23	Who is eligible for pro-rata?
24	When does my insurance become effective?
25	Can we bind coverage over the phone?