Dive Store Owner Insurance | Scuba Dive Store Operator Insurance Services

Dive Store Owner/Operator

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Why Witherspoon & Associates?

VERY competitive rates with the lowest deductibles in the industry means you get the best policy for your dollar!
Premium discounts for new customers with no losses in the past 3 years and multiple policies.
Business liability coverage with a worldwide territory so your coverage will travel anywhere life takes you.
NO DEDUCTIBLE for any business liability claim
Endorsements available for special risks, such as ski, paintball, archery, quarries and others
NO CHARGE for having multiple locations, non-SCUBA pool use, dive club liability and non-motorized watercraft up to 26 feet.
Blanket limits for property coverage at all locations.
No cap on coverage limits, such as business interruption, means we can insure your total risk.
Coverage provided by an A Rated London carrier.
Access to attorneys and risk management, including waivers.
Are you tired of waiting weeks and sometimes months for proof of coverage? We will get you proof of coverage within 48 hrs. after the policy is accepted.
Our staff is available 24/7 via phone, email and fax.
Access to attorneys and risk management, including waivers.
Get a REAL PERSON on the phone when you call.

$1,000,000/$2,000,000 aggregate PLUS $1,000,000 for defense
Worldwide coverage*
FREE technical endorsement with NO depth limit (limited only by the level you are certified to teach to)
NO NEED TO WORRY about discovery periods or retirement coverage with an OCCURRENCE form
Prior acts coverage to June 30, 2000 if coverage has been continuously maintained for any unknown incidents
Coverage for discrimination (denying service) due to medical or safety concern
NO CHARGE for policy changes, such as additional insured changes or adding/deleting members on a group policy
Equipment liability and excess limits available by endorsement
Liability policies provided through International SCUBA Risk Purchasing Alliance (ISRPA), a registered risk purchasing group

LIMITATIONS COMPARED TO THE INDIVIDUAL PL COVERAGE
All dive professionals on this policy share the limit provided and they are only insured while working for the named insured on the policy.
INSURANCE COSTS AND FEES
Included in the fees are the insurance premiums and administrative fees, which cover the costs of printing, mailing, processing, legal assistance, materials, record keeping and supervision.
ADDITIONAL INSUREDS - NO EXTRA CHARGE
POLICY PERIOD
The policy period is 12:01 a.m. Certificate effective date to 12:01 a.m. certificate expiration date. Each insured will receive a certificate showing the coverage effective dates.
TERRITORY This program is available in the United States of America (including its territories and possessions), Puerto Rico and Caribbean. Coverage is provided world-wide.
NOTICE OF CANCELLATION
For non-payment of premium, a 10-day written notice is required. Thirty days written notice is required for all other reasons.
DEFENSE PROVIDED
This policy defends any suit against the insured for damages that are legally payable under the terms of this policy, even if the allegations are groundless, false or fraudulent.
CLAIMS As this is an occurrence-form policy (you are insured for incidents that occur during the policy period) it is very important to report all incidents that may lead to a claim.
ALL CLAIMS MUST BE REPORTED TO WITHERSPOON & ASSOCIATES

$1 million/$2 million aggregate
$1 million Defense (outside GL limits)
$2 million Products and Completed Operations Aggregate
$1 million Personal and Advertising Injury
$1 million Travel Agents E&O
$100,000 Hired and Non-Owned Auto with options of $500,000 and $1 million by endorsement
$500,000 Fire Legal Liability with an option of $1 million by endorsement
$5,000 Medical Payments (per person)
$0 for all liability coverages
Liability policies provided through International SCUBA Risk Purchasing Alliance (ISRPA), a registered risk purchasing group.

INSURANCE COSTS AND FEES
Included in the fees are the insurance premiums and administrative fees, which cover the costs of printing, mailing, processing, legal assistance, materials, record keeping and supervision.
ADDITIONAL INSUREDS - NO EXTRA CHARGE
POLICY PERIOD
The policy period is 12:01 a.m. Certificate effective date to 12:01 a.m. certificate expiration date. Each insured will receive a certificate showing the coverage effective dates.
TERRITORY This program is available in the United States of America (including its territories and possessions), Puerto Rico and Caribbean. Coverage is provided world-wide.
NOTICE OF CANCELLATION
For non-payment of premium, a 10-day written notice is required. Thirty days written notice is required for all other reasons.
DEFENSE PROVIDED
This policy defends any suit against the insured for damages that are legally payable under the terms of this policy, even if the allegations are groundless, false or fraudulent.
CLAIMS As this is an occurrence-form policy (you are insured for incidents that occur during the policy period) it is very important to report all incidents that may lead to a claim.
ALL CLAIMS MUST BE REPORTED TO WITHERSPOON & ASSOCIATES
PROFESSIONAL LIABILITY (EXCLUDED UNDER THIS POLICY) UNDERWATER
Professional Liability includes but is not limited to the supervision and/or instruction of scuba diving and snorkeling or other forms of aquatic activity and activities related thereto, whether or not conducted in oceans, lakes, rivers, quarries, pools, or other water bodies owned, rented or used by the insured or certificate holders.
ALL POLICIES SUBJECT TO A 25% MINIMUM EARNED PREMIUM

Replacement cost with special form coverage
80% co-insurance
SCUBA Enhancement Endorsement included for no additional changes which adds:
- $10,000 In Transit/Off Premise
- $10,000 Customer's Equipment
- $40,000 Business Interruption
- $40,000 Equipment breakdown
- $5,000 Employee Dishonesty
- $2,500 Cash Robbery
- $5,000 Additional Sign Coverage ($10k total)
Glass $600/pane w/$2,500 aggregate
Burglary included to 100% of contents limit with central station alarm. Reduced limits available for local or no alarm.
Wind driven water endorsement $15,000

$1,000 standard property .
WIND DEDUCTIBLE of $4000 or 5% whichever is greater for businesses located in Florida, $2500 or 3% whichever is greater for businesses located within 10 miles of the coast in AL, GA, LA, MS, NC, SC, VA, TX, all of HI, $1000 all other locations.
EQUIPMENT BREAKDOWN DEDUCTIBLE for Compressors valued under $20,000 is $2,500 and over $20,000 is $5,000; $1,000 on computers; $2,500 all other equipment.
THEFT DEDUCTIBLE - Central Station Alarm: $1,000 Ded. - 100% of limit; Local Alarm: $2,000 Ded. - 50% of limit and 50% total claim not to exceed coverage limit; No Alarm: $3,000 Ded. - $10,000 limit and 50% total claim not to exceed coverage limit
Business Interruption deductible of 72 hours (for all causes of loss)
$500 Robbery, Employee Dishonest and Sign.
$250/occurrence for Glass

WIND DEDUCTIBLE
$4000 or 5% businesses located in Florida. $2500 or 3% located within 10 miles of the coast in AL, GA, LA, MS, NC, SC, VA, TX, all of HI. $1000 all other risk.
EQUIPMENT BREAKDOWN DEDUCTIBLE
Compressors valued under $20,000 is $2,500 and over $20,000 is $5,000; $1,000 on computers.
THEFT DEDUCTIBLE
Central Station Alarm: $1,000 ded. - 100% of limit Local Alarm: $2,000 ded. - 50% of limit and 50% total claim not to exceed coverage limit No Alarm: $3,000 ded. - $10,000 limit and 50% total claim not to exceed coverage limit
INSURANCE COSTS AND FEES Included in the fees are the insurance premiums and administrative fees, which cover the costs of printing, mailing, processing, legal assistance, materials, record keeping and supervision.
LOSS PAYEES -NO EXTRA CHARGE
TERRITORY
This program is available in the United States of America (including its territories and possessions), Puerto Rico and Caribbean.
NOTICE OF CANCELLATION For non-payment of premium, a 10-day written notice is required. Thirty days written notice is required for all other reasons.
CLAIMS
All claims must be reported to Witherspoon & Associates as soon as reasonably possible. All theft or employee dishonesty claims must be accompanied by a police report. See the policy wording for a claim form or visit our website at www.scubains.com under Client Services.

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