DM insurance - double indemnity?

[tursiops]

Another reason for an LLC is that it makes you an entity rather than a person, and this allows some access to pricing and deals via travel sites and travel brokers.

 

[Lorenzoid]

I never mentioned negligence; that is something you brought up.

The whole thread, as I understand it, is about insurance--against someone suing for negligence, I have to believe. An LLC has nothing to do with that. An LLC might provide various benefits, sure, but it wouldn't have any effect on the original concern that I understood motivated this thread.

 

[BradMM]

I would not consider becoming a DM without planning to carry personal (dive) liability insurance.

Is there an inherent liability just by having the DM cert? I am DM certified but am not employed by a shop and don't act as such. I thought I was "inactive" or something like that.

 

[boulderjohn]

Is there an inherent liability just by having the DM cert? I am DM certified but am not employed by a shop and don't act as such. I thought I was "inactive" or something like that.

It can be.

My answer to this today is different from what I would have written in the past. The world is changing. It depends to a large degree on local law, but there have been several cases recently in which the most experienced/most certified diver in a group has been in trouble merely for that reason. It is rare, but it can happen.

The more likely problem occurs if you present yourself in any way as someone on whom a diver can rely for assistance during a dive. This is especially true if you accept any compensation--even a beer--in exchange for some kind of service, like showing someone around or giving them some tips. In that case, you are acting as a professional, and the diver will be perceived as being dependent upon your advertised superior skill.

 

[Diving Dubai]

It can be.

My answer to this today is different from what I would have written in the past. The world is changing. It depends to a large degree on local law, but there have been several cases recently in which the most experienced/most certified diver in a group has been in trouble merely for that reason. It is rare, but it can happen.

The more likely problem occurs if you present yourself in any way as someone on whom a diver can rely for assistance during a dive. This is especially true if you accept any compensation--even a beer--in exchange for some kind of service, like showing someone around or giving them some tips. In that case, you are acting as a professional, and the diver will be perceived as being dependent upon your advertised superior skill.

I quite agree, I guess you can put some coverage on yourself that you are inactive. Like Rescue and EFR - if you haven't done a refresher EFR after 2 years you can't realistically be considered to be competent in EFR?

What's worrying is that people will always want to apportion blame and it could even get to the point that if people hold the same certification will they come after teh person with the most logged dives etc.

Scary stuff

 

[TMHeimer]

Agree with last 2 posts. Interesting that you can be an inactive pro, therefore quite possibly not having renewed your EFR/CPR in years (that will be my case). So I may be sued for having the DM card regarding anything I do during a rescue except CPR, should I screw that up. Who knows.