I just want to hear from PADI (V&B) Insurance holders (or ex-padi Insured)

[Thalassamania]

I think we need to get rid of any requirement for carrying liability insurance. That should be left solely up to each instructor and shop to decide for themselves. If we stop defining yourselves as a separate group, it will (in time) become a matter of buying the business liability coverage that you feel you need, like any other business.