I have no reason to think that the Buddy Dive policies reflect anything other than a sincere effort to protect staff and customers. If dive staff get sick, Buddy Dive doesn't have a unlimited reservoir of dive professional talent to immediately draw from as replacements. If customers / guests get sick, they might take a 'publicity' hit. An outbreak on the island, or at the resort, would have very negative business consequences.
There may well be some insurance benefit. I can't speak for Bonaire, but speaking with two different shop owners / managers here in the US, there has been no particular encouragement coming from their insurance carriers (dive operations, and property) to do anything specific, such as establishing a policy document. Certainly, PADI has been proactive in offering support, ideas, recommendations to shops and resorts, so the Buddy document might also reflect some degree of encouragement from PADI.
There may well be some insurance benefit. I can't speak for Bonaire, but speaking with two different shop owners / managers here in the US, there has been no particular encouragement coming from their insurance carriers (dive operations, and property) to do anything specific, such as establishing a policy document. Certainly, PADI has been proactive in offering support, ideas, recommendations to shops and resorts, so the Buddy document might also reflect some degree of encouragement from PADI.