PADI-Endorsed Insurance

PADI-Endorsed Insurance

PADI Americas delivers options to best serve your insurance needs.

Maintaining current professional liability insurance, which is different from travel or accident insurance, is part of good risk management and is required in some areas to remain in Teaching/Active status.

As a PADI Member, you can stay protected with the diving industry’s most comprehensive, highest-rated, robust insurance programs with decades of experience.

If you arrange coverage through any company other than a PADI-endorsed insurance company, you must submit proof of insurance that indicates the coverage dates, name of the insured, and that it includes professional liability coverage for scuba diving instruction and supervision.

Find what's right for you.


•    A rated, Exceptional, from Demotech, Inc**.
•    Affordable low-cost premiums
•    No charge for additional insureds
•    Protection against prior acts with continuous coverage
•    Worldwide coverage
•    In-house medical, legal, and risk management support teams
•    History of helping divers for over 40 years

DAN Risk Retention Group
US 50 States*
DAN World Insurance Group SP
(American Samoa*, APO/AFO addresses*, Aruba, Bahamas, Belize, Bermuda, Bonaire, British Virgin Islands, Cayman Islands, Curacao, Dominica, Dominican Republic, Federated States of Micronesia, Guam, Honduras, Jamaica, Northern Mariana Islands*, Palau, Puerto Rico*, Saba, Saint Eustatius, Saint Lucia, Saint Martin, Sint Maarten, Turks and Caicos Islands, and the US Virgin Islands*)

* Insurance required for Active/Teaching Status
* For more information about Demotech or Financial Stability Ratings® (FSRs), visit or call (800) 354-7207. The most current FSR must be verified by visiting

BFL logo

•    Affordable low-cost premiums
•    No charge for additional insureds
•    Excess limits available
•    Protection against prior acts with continuous coverage
•    Worldwide coverage for claims brought in Canada

All of Canada*

*Insurance required for Active/Teaching Status

Select from the following DAN policies

Professional Liability

•    For individual dive pros 
•    Worldwide coverage 
•    Affordable, low premiums

DAN Group
Group Professional Liability

•    For all dive pros on staff 
•    Protect all pros on one policy 
•    Worldwide coverage

DAN General
General Liability

•    For dive centers & businesses 
•    Customized coverage options 
•    Tour & travel agent liability available

Select from the following BFL policies

Pro Insurance
Professional Liability

•    Includes General Liability
•    Deductible - $1000 per occurrence
•    Covers all PADI Programs, including Tec, Freediving, and Mermaid

Group & General Professional Liability

•    $1M per occurrence/$2 aggregate
•    Excess limit up to $5M for facility only

General Liability
Commercial General Liability

•    Excess limit up to $5M for facility only
•    Boat policies available
•    Building and Contents coverage available