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- FAQs
- I am going inactive, and will no longer be teaching or supervising divers, what do I need to do?
- What do I need to do in order to upgrade my insurance?
- Do we have loss/theft policy for my personal gear?
- Does the policy mandate specific waivers?
- If I am an instructor with multiple agencies, do I have to purchase more then one policy?
- How quickly should I report an incident/accident?
- Who receives a copy of my documents?
- Why can't this policy be cancelled?
- Why is it important to not have a gap in insurance coverage?
- What is the difference between "claims made" and "occurrence" form?
- I was on a Group Professional Liability policy, but I am no longer with the store, what do I need to do?
- What types of incidents/accidents should be reported?
- What if there is a claim brought against me? Does the insurance cover legal defense expenses?
- Does the policy cover Nitrox/rebreather training?
- What is Equipment Liability?
- What is a Technical Endorsement, and who needs it?
- What and who are Additional Insureds?
- If I am assisting with a class, does the instructor who is teaching the class provide coverage for me?
- What is the quickest way to purchase insurance?
- Can I make installment payments for the individual insurance?
- Whom do I make checks payable to?
- Who is eligible to purchase insurance?
- Who is eligible for pro-rata?
- When does my insurance become effective?
- Can we bind coverage over the phone?
- General Liability
- Is there an additional charge for "Additional Insureds"?
- Under what circumstances should I list "additional insureds"?
- The pool where we teach our classes is asking to be listed on the business insurance policy as an "additional insured" and show proof of insurance, how does this affect my policy?
- Do you provide auto insurance?
- What is premises medical payments?
- What is "products" liability?
- What is "completed operations"?
- What is "premises" liability?
- Will the water facility insurance cover the area where I have picnic tables and dressing/restrooms for divers?
- I fill scuba tanks and provide air for fire department breathing apparatuses. Am I covered?
- What are some of the products you can't insure?
- Will my business insurance policy cover other products I sell or rent that are not related to scuba?
- Can I increase my limit of liability?
- How do I know if the liability limit of $1,000,000 per occurrence, $2,000,000 aggregate is enough?
- As the dive business owner, I am out of town frequently, can one of my employees call to make changes to my insurance policy?
- I have moved my dive business to a new location, do I have to call you to report the new address?
- I own a quarry. Do I purchase the water facility insurance?
- What are the categories of business insurance?
- I am a new store and I don't have any gross income yet.
- How do I know if I have picked the right program of insurance for my retail dive business?
- I have a corporate business name and I also have another name for my dive business (a DBA), which entity do I list on my insurance policy?
- What about "dive trip" income, the monies I collect for tour & travel, are these included in my "scuba related" income?
- Is income from classes and books considered "scuba related" income?
- What gross "scuba related" income do I provide, projected income for this year or my previous year's income?
- What is gross "scuba related" income?
- What is the quickest way to purchase insurance?
- Property
- Due to a hurricane, the local officials shut down the area and I have had no customer traffic, do I have coverage for business interruption?
- Recently, the HVAC unit on the roof of the building I lease was hit by lightning, whose responsibility is it to pay for the damage, the landlord or my dive business? And will it be covered by insurance?
- How much business interruption coverage should I purchase?
- How much property insurance should I purchase?
- What is Off Premises coverage?
- What is Increase Customers Equipment?
- What is Business Interruption?
- What is Employee Dishonesty?
- What is Cash Robbery coverage?
- What is Equipment Breakdown?
- What is "transit" coverage?
- I have sign coverage and I don't have a sign for my business.
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