You are liable for an incident up to 7 years after certification if any training deficiency can be found by the attorney. Problem is guilty or not you bear the cost of defending. PADI will pick your training records to pieces to verify Standards Compliance. They cover their caboose 1st, yours 2nd. The Aqua-Med price sounds great if it truly covers & provides defense. I would like to know more. Thank you! For "additionally insureds" I have to list 3 agencies plus state & federal entities, dive shops, pool facility...
It gets silly, everyone wants to shirttail onto the instructor’s tab.