Professional Liability Insurance

[BoltSnap]

I don't understand your insistence on ignoring consulting with your agency and going off on your own to SB to find answers for most critical issue that needs experts to evaluate and answer. SSI isn't just in the US, they have affiliates all over the world and they are the ones that will be the first step in addressing your question and needs.

The DAN one is 650euro or dollar.

First is there is about a 20% difference between Euro and USD. Second, this rate is very competitive compared with other plans. Most important is that you get in touch with SSI directly, not just reading information on their website, and talking to a person there who knows about the insurance side of the business to help you in addressing your insurance needs.

I find your not knowing about liability issues and the insurance matter to the degree you are showing here in addition to your attitude very appalling especially when you are claiming to be a certified instructor.

 

[xmass-Eve]

I don't understand your insistence on ignoring consulting with your agency and going off on your own to SB to find answers for most critical issue that needs experts to evaluate and answer. SSI isn't just in the US, they have affiliates all over the world and they are the ones that will be the first step in addressing your question and needs.



First is there is about a 20% difference between Euro and USD. Second, this rate is very competitive compared with other plans. Most important is that you get in touch with SSI directly, not just reading information on their website, and talking to a person there who knows about the insurance side of the business to help you in addressing your insurance needs.

I find your not knowing about liability issues and the insurance matter to the degree you are showing here in addition to your attitude very appalling especially when you are claiming to be a certified instructor.

Apparently you don't read very well and you show a very big arrogance. None of the SSI, PADI and CMAS instructors I know are insured and if they need to be, they don't know which one to take. I am asking people about which insurance they are using. Not if I have to be insured or not. The Maldives are not the US so following SSI I don't have to be. And it's not because you did it your way that you are right. NAUI isn't SSI. The US isn't the rest of the world.

Of course there is a difference between dollar and euro but or can also mean OR. Doesn't mean equal. And 650 dollar is still lots in euro so it doesn't matter which currency it is.

 

[pconsidine]

I am a Padi Instructor and have my insurance thru Vicencia & Buckley which is a sub-company of PADI. this cost me $659 US yearly since I am a independent Instructor. I know that any instructor that is teaching in the US must have liability insurance either thru shop they are teaching or thru themselves. As a Instructor you would be crazy not to have liability insurance especially in this world of "sue first-ask questions later" mentality.

 

[xmass-Eve]

I am a Padi Instructor and have my insurance thru Vicencia & Buckley which is a sub-company of PADI. this cost me $659 US yearly since I am a independent Instructor. I know that any instructor that is teaching in the US must have liability insurance either thru shop they are teaching or thru themselves. As a Instructor you would be crazy not to have liability insurance especially in this world of "sue first-ask questions later" mentality.

V&B is exclusively for PADI, not for SSI. It's difficult to find an insurance company that insures non-Americans/Canadians, or if they are European, covers American suits. DAN is the only I find at the moment.

Anyway, I'll ask the instructors at the dive shop which one they use... Can't go wrong then.

 

[BoltSnap]

Apparently you don't read very well and you show a very big arrogance. None of the SSI, PADI and CMAS instructors I know are insured and if they need to be, they don't know which one to take. I am asking people about which insurance they are using. Not if I have to be insured or not. The Maldives are not the US so following SSI I don't have to be. And it's not because you did it your way that you are right. NAUI isn't SSI. The US isn't the rest of the world.

I don't know who is "ignorant" and who is so thick that they can't just pick up the bloody phone and call up SSI and ask them for guidance and help in this matter when they will be the best experts and specialists in this area instead of SB. This is most incredible especially your insistence to find the answer on the internet away from the most qualified entity in the universe, the agency that certified you to teach and issues the c-cards for you. There is a new invention called telephone (it comes in colors and sizes), use it to chat with SSI insurance expert. There is also another even newer invention called "email" you can use to communicate withe the experts at SSI to get help in the matter too.

 

[pconsidine]

V&B is exclusively for PADI, not for SSI. It's difficult to find an insurance company that insures non-Americans/Canadians, or if they are European, covers American suits. DAN is the only I find at the moment.

Anyway, I'll ask the instructors at the dive shop which one they use... Can't go wrong then.

I think that is since with SSI you have to be affiliated with a shop.

 

[Wookie]

Y'all act like Xmass-Eve will be teaching in the United States, and y'all are acting like she falls under SSI rules for North American instructors. Why she asked this on an American and European-centric chat board I have no idea. Hardly anyone here can answer her question, but everyone has an opinion. And they are likely wrong. I expect the resort she has applied to will tell her exactly what they require from their dive instructors.

But at least she asked. I was chatting with my insurance provider the other day. He told me a story of a boat divemaster who had convinced the boat owner that once you are an instructor you are always an instructor. She hadn't renewed in 20-something years and had never had a professional liability policy. When the boat started asking questions, she nonchalantly said "once an instructor, always an instructor".

 

[BoltSnap]

and y'all are acting like she falls under SSI rules for North American instructors.

SSI is the best starting point for her to get the information she needs to address her requirements. SSI is a major international agency that should know how most of the rest of the diving world works outside the iron curtin in the US. SSI isn't just a little happy agency in the USA without any connections to the rest of the world. SSI in the US may not be aware of the intricacies of the laws in the OP diving area but is probably most qualified to steer her in the right direction. SB and the internet are certainly not the best place to start the search for options for this most serious matter.

 

[xmass-Eve]

SSI is the best starting point for her to get the information she needs to address her requirements. SSI is a major international agency that should know how most of the rest of the diving world works outside the iron curtin in the US. SSI isn't just a little happy agency in the USA without any connections to the rest of the world. SSI in the US may not be aware of the intricacies of the laws in the OP diving area but is probably most qualified to steer her in the right direction. SB and the internet are certainly not the best place to start the search for options for this most serious matter.

I send the Benelux SSI an email a couple of days ago and they still didn't answer. There is nothing to find in the standards. So I stay with my question: Who uses what. Because of the fact that SSI can only recommend. A recommendation is a suggestion.

 

[xmass-Eve]

I think that is since with SSI you have to be affiliated with a shop.

Oh yes, you are always affiliated with a shop. So the shops have insurance but I don't know how far that goes. I also do think that when teaching in the US (and Queensland), you have to have a personal one. That's what I seem to remember from when I started teaching, years ago. I was just wondering if the shop meant I need to have one myself or not. And then... which one? There is not much to find about liability insurance companies on the internet.