Yes, as an instructor you’ll be covered, but will your dive shop be covered if it’s NOT associated with a certification agency? When litigation starts, the instructor, certified assistants, dive boat, dive shop and certification agency will all be named in the suit. For the incident reports/investigations/correspondence to be covered under attorney client privilege, you all have to be on the same team, same legal representation. If you’re not associated, that could cause an issue in trying to keep all that info confidential.