Scuba Diving Insurance

Specialty insurance for the diving industry, tailored to your unique needs.
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With great adventure comes great risk. Make sure you or your business has coverage beyond what standard insurance can offer

The allure of the underwater world is undeniable, but alongside its beauty, scuba diving carries its own set of risks. From equipment hiccups to unforeseen challenges below, every dive comes with a hint of uncertainty. That’s where we come in – your trusted insurance partner in ensuring your underwater adventures are not only exhilarating but also secure. Scuba diving insurance isn’t just a choice, but a crucial safeguard for every dive you take.

Could You Benefit from Better Scuba Diving Coverage?

We understand that as an avid scuba diver, you love exploring the wonders of the underwater world. However, engaging in such an exhilarating activity comes with its fair share of risks. That’s where we come in. XINSURANCE is here to provide you with specialized liability insurance solutions that will cover you in case of any unforeseen incidents or accidents that may occur while scuba diving.

At XINSURANCE, we recognize that traditional insurance policies may not always adequately cover the unique risks associated with scuba diving. That’s why we offer tailored insurance solutions specifically designed for businesses and individuals like you. Our team of experienced underwriters understands the intricacies of scuba diving and can create a comprehensive insurance plan that addresses the specific needs of your diving adventures or operations. We strive to give you true peace of mind, knowing that no matter what challenges you may encounter underwater, you will have the protection you need.

We Can Provide Scuba Diving Insurance Solutions For

  • Any Scuba Diver
  • Professional Divers
  • Dive Shops
  • Dive Instructors
  • Manufacturers
  • Aquatic Facilities
  • Scuba Diving Guides
  • Scuba Diving Tours
  • Business Owners
  • Independent Contractors
  • Other Business Operations
  • And More!
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Coverage Options for Scuba Diving Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto Liability*

Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.

*Available in most states

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.

Equipment Rental Liability

Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.

Watercraft Liability

Can cover physical damage for the watercraft used for scuba diving.

Directors and Officers Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.

Professional Liability

Coverage for claims regarding negligent acts and more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.

Alleged Sexual Abuse & Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Alleged Assault & Battery Liability

Coverage for claims against you regarding assault and/or battery.

Active Shooter Liability

Provides coverage for injuries and property damage sustained by third parties.

TRU Umbrella

Covers the gaps and exclusions in your primary policy.  Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Scuba Diving Insurance FAQ

Can I Get Scuba Diving Insurance if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

What Coverage Do I Need for My Scuba Diving Insurance Policy?

The type of insurance coverage needed for scuba diving will depend on a few factors. Are you a professional diver or a business owner that offers scuba diving tours? Perhaps you own a dive shop and rent out equipment or offer scuba lessons indoors.

No matter the case, XINSURANCE will provide scuba diving insurance solutions that are tailored to your unique needs.

What Are The Risk of Scuba Diving?

While scuba diving is generally safe, there are always risks that can lead to accidents, claims, and lawsuits. According to Abyss Scuba Diving, the most common medical issues associated with scuba diving are sunburn, seasickness, and dehydration. The most severe risks associated with scuba diving are arterial air embolism and decompression sickness (DCS).

Why Should I Have Scuba Diving Insurance?

You need scuba diving insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having scuba diving insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, scuba diving insurance may be required.

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Know the Facts

The Divers Alert Network (DAN) said that every year over 1000 scuba diving accidents are reported to them.

Common identifiable triggers that initiated a combination of events leading to scuba diving death statistics include insufficient gas (41%), entrapment (20%), equipment problems (15%)

Approximately half of all diving fatalities were among divers with fewer than 20 dives.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service