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I talk to my insurance company's lawyer about things like this. They have all kinds of helpful advice. After all, they are the folks who will open their wallet in the event the unfortunate happens.Going to talk with a lawyer friend of mine. A friend of mine who has organized trips (as an individual) made sure to spell out the specifics of conditions that might be encountered (wrecks, depths, water temp, current, etc) with any recommended gear from the dive op (such as redundancy) and handed out that to everyone who was interested before deposits were put down, also listed such thugs as dates, cost, deposit amounts/deadlines, etc. Everyone had to sign it - that way they couldn’t pretend they didn’t get it.