I suppose a movement like this would have to start at the certification agency, and since forcing the need for insurance on instructors does not cost the agency anything, they have no reason to start this. A whole new agency would need to be created OR an existing agency would need to get some balls and try this in attempt to take market share from other agencies. I am a PADI instructor now, but if another agency said they wouldn’t require their instructors to have professional liability insurance, and instead required the student...I would consider crossing over.