So it seems pretty standard for them to include everything but it not to stand up in court. A few landmark cases, this page was a good simple overview
Alert Diver | Legal Liability in Diving
some landmark cases and how the liability paperwork affected it and thus insurance.
Ive had a first draft from up on high regarding that policy,
" The policy is a master program policy that all members are insured by, one policy for all of the individual insureds, with separate liability limits applying to each certificate holder. The policy documents that you received are the complete policy documents (it is update every year, but as I mentioned we know our current technology output is not where it needs to be) that apply to your coverage. No other endorsements will be added or removed, without your knowledge. There are other endorsements that are part of the master policy but do not apply to your coverage (i.e. TecRec endorsement, SCUBA Fit endorsement, Cylinder Inspection Endorsement) so these endorsements are removed from the “2019-20 Individual PL Policy”. The additional two files you mentioned; 2019-20 PL Equipment Liability Endorsement is another endorsement that is part of the master policy but not included in the “2019-20 Individual PL Policy” file as every insured does not purchase this coverage; and the 2019-20 Individual AI Blanket Endorsement is included in the “2019-20 Individual PL Policy” file but we also attach it separately as a convenience because additional insureds often ask to see this endorsement when you provide your certificate to them. The “policy” is pages 4-24 of the “2019-20 Individual PL Policy” file. Your individual certificate acts as your declaration page; as this is a master policy and every insured (certificate holder) has different coverage / information the master policy declaration page does not accurately represent your coverage. The policy condition can be found on page 15 of the “2019-20 Individual PL Policy” file;
Section IV – Professional Liability Conditions. The “2019-20 Individual PL Policy” file along with the “2019-20 PL Equipment Liability Endorsement” file and your Certificate of Insurance compromise the complete policy, conditions, exclusions, limits and definitions applicable to your coverage. "
So ive asked for a little more clarification as since as i read it the whole of my policy is an endorsement since every part of the original policy that applies to me has been changed, so why they dont just issue me an actual policy instead of "you have X policy with the following changes which happen to be 100% of the policy" i dont know!
FLYBOY08 - I cant switch to DAN as DAN cant cover me in court in the USA or Canada and although i don't work in USA, most of my clients are from there and i transit the USA a lot when traveling so not like i can just "avoid" the USA if i was sued from there.
