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!
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.
Employment Practices Liability (EPLI)
Covers liabilities related to employment that aren’t on-the-job injuries. Some of the things it covers may include sexual harassment suits and wrongful termination suits.
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.
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.
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%)
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
Tru Homeowners
Have you ever had an insurance risk that couldn’t be covered by your primary homeowners policy? Or the value of your house is not covered with your current policy limit? There’s a wide range of reasons why a primary homeowners policy may not be able to offer you sufficient coverage; contact us to see how you can better protect your home.
Aquatic Industry
We offer specialty insurance solutions for the aquatic industry – from aquatic recreation centers and water parks to swimming lessons and lifeguards. Whether you need personal or commercial insurance, we can provide an insurance solution tailored to your unique needs.
Tru Umbrella
Tru Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.