An independent NAUI Inst can buy the same service contract as a NAUI store. It let's you, the individual, get the same price break on materials as a brick and mortar store.
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I wouldn't at all say that PADI doesn't help their independent instructors.
You are still a member of PADI, can call and talk to any department, they have always been really helpful.
On the cost perspective the books/processing fees can be a bit expensive ........
Costs are lower with NAUI. I've had problems trying to get independent PADI instructions because the required materials are expensive and they aren't able to get a good rate on pool time or equipment rental. I've had NAUI instructors willing to do independent courses at competitive prices to dive shop prices, but PADI instructors have to get pretty close to gratis (at least in my experience) if they don't have pool/gear access.
Post was 2011.......@aqurius, you can absolutely teach PADI independently. In fact, if you teach PADI through a shop, you are still considered independent in many facets. While PADI does have a number of support services geared towards shops and places that turn out larger volume, that just makes business sense...when you buy larger volume, you get larger discounts. Even as an independent instructor, you can buy the materials you need for the classes you are qualified to teach and you get a "Member" price, which is discounted. (There are cheaper prices but you have to be a shop AND you have to sell certain volumes.)
One consideration, if you have a boat, is to become a PADI boat operator as they do have a way you can register as that.