- Messages
- 13,539
- Reaction score
- 10,218
- Location
- Port Orchard, Washington State
- # of dives
- 1000 - 2499
Yes and yes. And insurance rates are wayyyy up as a consequence (at least in USA and Canada). In part because the actual underwriters and insurers don't give a damn about what agency has blessed you as an instructor. "Scuba instruction" is one giant risk pool to them (all 2 underwriters). More payouts and claims? Higher premiums or they just say "these folks ain't worth the bother insuring" and the market contracts - a shrunken insurance market means the remaining insurers have no competition, combined with a poor (eg high) claims history as an industry... Rates climb even higher cause they can and why not? Squeeze those "risky" scuba instructors as much as they can and maximize their profits and cover the next claim with ease.What is the problem you are trying to solve here? Is there an increase in deaths and injuries in diving and PADI is being sued more because of the low quality of PADI's instructors?
So the good instructors who taught on the side for fun are leaving since its not worth paying crazy insurance premiums annually. 'Cause then they're obligated to teach more and more classes just to break even. They are done, leaving, not bothering to renew their insurance or teach anymore.