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Specialty Commercial Insurance: What about Dive Shops?

It’s easy to understand why the property and liability coverage for dive shops is so hard to place. The most vital parts related to underwater survival are equipment and proper training.

Mistakes or failures related to the two factors can have dire consequences: grave injuries or loss of life.

Diving accidents, slips and falls, or further mishaps can prompt related lawsuit.

As pre the insurance companies, prior to any diving activity, perspective divers must undergo rigorous training and earn certification from instructors, verifying the ability to endure being underwater for an extended time.

Among other forms of protection, related insurance coverage can include the following:

  • Commercial General Liability
  • Personal Property
  • Professional Liability

The personal property aspect of the policy is associated with the costly goods and equipment that is sold or rented by the diving shops.

Swimming pools at the dive shops locations are also covered under the personal property insurance.

Professional Liability Insurance may also be referred to as Errors and Omissions Insurance. This is an option offered by the insurance carriers that is reserved only for qualified instructors.

For more on comprehensive diver shop policies, contact an independent agency that has the necessary knowhow, experience, and established relationships with the leading insurance carriers to offer precise coverage at the lowest rates.   


PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Diving shops and their instructors face unique risks and exposures. Having the right insurance policy can make all the difference.



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