Well, there you go. Have all dive shops require students to carry a Personal Injury Ins policy, either through DAN or their own Ins. carrier. The dive shops may also want to make this a requirement of the student, maybe offering a group policy with the costs built in with their classes. Also, what about the certifying agencies, offering Ins policies to students when in training ?
Until the day comes where the student can train themselves via DVD’s, books, etc (getting there) and then hires an Instructor just to do Skill level check-offs (like an auto DL test), Tort Law will always hold the professional liable, no matter how many disclosures/ disclaimers the student signs.