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#47445
Non-Teaching PADI Instructor Liability Insurance Question
Greg - 7/23/2012 8:26 AM
Category: Training
Replies: 8

Can I keep my PADI scuba instructor rating but not have liability insurance if I’m not teaching? I’m sure I’ll still have to pay PADI’s membership fees every year, but I don’t want to fork over $569 for liability insurance if I’m not teaching. I understand the insurance is based on the date the claim is filed and not the date training was conducted. Then when I want to start teaching again, is it just a matter of getting liability insurance?
#27320
RAWalker - 7/23/2012 12:23 PM
Yes and no.

Not all policies are based on when the claim is filed some do work based on the training date. For the policy based on when the claim is filed you need to continue coverage until your states or the one where the class occureds limits for filing pass. If your coverage is instuction date based then you can just let it expire.

PADI may however require you to refresh your certification of you fall out of teaching status.
#494
Exposure - 7/23/2012 12:39 PM
To loose your teaching status you need some years without paying the fee. As I remember it’s 5 years. If you keep paying the fee every year and not teaching you don’t loose it. So you can save some money by not taking the insurance if you don’t teach.
#47445
Subscribed
Greg - 7/23/2012 1:31 PM
From Exposure: To loose your teaching status you need some years without paying the fee. As I remember it’s 5 years. If you keep paying the fee every year and not teaching you don’t loose it. So you can save some money by not taking the insurance if you don’t teach....
What "fee" are you referring to? There is the PADI Instructor Membership fee, then the Liability Insurance fee. If I pay the PADI Instructor Membership fee every year, but do NOT pay for the Liability Insurance fee, are you saying I could still loose my PADI Instructor rating after 5 years?


I’ve already sent an email to PADI about this, but I haven’t received a solid response yet. They just replied and told me to renew my insurance :)
#2592
KevinD - 7/23/2012 4:37 PM
No insurance just means you are not in teaching status. As long as you pay your dues you are still an instructor. If you stop your dues, not recommended, you may have issues when you are ready to teach again. More years away mean more to get reinstated. If you are not going to teach, it is easier to not have insurance and not be in teaching status
#627
h2odragon1 - 7/24/2012 6:24 AM
If you maintain your Instructor status, at any level, the legal buzzards will hold you liable for any action you take while in the water, if anything happens to someone else! Action, or omission of action!

Try to teach a few classes, to cover the Ins. at least!
#1429
SeaGoat - 7/25/2012 3:28 PM
Greg,

It might be best to talk to to the insurance company directly. When I went through IDC, it was explained to me that the limitations on filing a claim against an instructor was 7 years after taking a class. (I asked a similar question - discontinuing dive insurance if I took an overseas assignment, starting a family, etc.) Has it been 7+ years since your last student? If not, you may want to keep your insurance current as CYA.

As H2Odragon pointed out, people will try to sue you for merely being present at the time of a dive accident whether you are their instructor or not. Oftentimes, my boat captain friends will list me on their roster as an Advanced diver.

Sadly, there are people out there who just suck, are after easy money and do not like to take responsibility for their actions. At least insurance will help keep you from paying off their mortgage and putting their kids through college.
#18
morgan529 - 8/29/2012 6:59 AM
Non-teaching status insurance is about 1/2 as much. It covers you for past students. All you need to to do to regain teaching status is upgrade your insurance. If you do it online, it usually comes into effect within a day.