When I was censored by PADI HQ, I didn't think anything in the Standards prohibited these things as well. It was pointed out to me that unless it's specifically mentioned in Standards by name, it's not covered. There was something in the fine print of PADI insurance as well.
Since this thread meanders along at a glacial pace, I will just continue with occasional small points;
The current dive insurance situation is way different than back when this conversation with PADI HQ happened. I only used V&B for the first partial year after my PADI IE. Within the month I completed my crossover to IANTD and my first full year was not with V&B. Was PADI ever really an Insurance Agency?
After my Instructor certifications I did some cave training. The Instructor / Program I trained under started deco diving in Apprentice, and I have no desire to deco. I called PADI HQ and asked about the requirements to be a PADI Cavern Specialty Instructor. The phone was passed to the guy in that room who had Full Cave and he told me that my reasoning was sound and they would accept Intro to Cave as pre-rec to become a Cavern Specialty Instructor.
I have only been an Instructor for this century but both the insurance situation and the Cavern Specialty Instructor pre-rec's have changed. It seems any instructor can be insured by Witherspoon and Full Cave is now required for Cavern Specialty. Imagine what has changed since DCBC quit PADI.
Frank Vicencia Bio:Frank became a licensed insurance agent in 1977. Along with Peter Buckley, he purchased Gene List Insurance Agency. In 1986, Gene List became Vicencia & Buckley Insurance Services, Inc. The firm has grown 3,000% since the acquisition in 1977.