Personal liability for independant instructors

[Scuba Lawyer]

If the case has a value if $3, your personal assets are $3, and you have $1 in liability coverage, guess who pays the balance.

 

[RandomGuy1]

Good luck! The basic liability coverage is expensive enough. If you have significant personal worth, the cost of adding additional coverage blows one's mind. If instructing will be a part time job for you, is it worth it?

Financially it for sure isn't worth it. Primarily I would be working with veteran groups to provide training and build a community of veteran divers. Long term goal is to get scubability instructor and assist with disabled veterans. I'll never make any money as scuba, but the personal reward of assisting others is an intangible that means a lot to me.