The Chairman
Chairman of the Board
Are they really out of line? I think they are well within their right and you can vote to go elsewhere with your wallet if you don't like the restriction. No one is forcing you to do business with them.All this is to say that the insurance company, in my reading of this, is out of line with respect to what their ACTUAL responsibility is.
It's about acceptable risk. To them, it's just not acceptable to believe that an instructor can look after more than two non-divers at a time. They are the ones having to write the checks for the repeated failures. I don't blame them for wanting to stem any financial hemorrhaging on their part.