General Liability Insurance for Diving
- High-limits from $1M to $6M
- Affordable rates
- Non-Owned and Hired Auto Liability
Accident Insurance for Diving
- Reimburse medical bills
- Limits up to $100k
- Deductible options
- General Liability and Accident Insurance for diving organizations
- What do I need diving insurance?
- What are the risks of diving?
- Risk management strategies for diving
- What is diving?
- Are there health benefits to diving?
- Get diving insurance that fits you!
General Liability and Accident insurance for diving organizations
Sadler Sports Insurance offers a customizable diving insurance package. Whether you are a diving club, team, competition host, or instructor, you can create your diving insurance policy that is right for your needs.
Regarding the sport of diving, you may want to implement diving insurance with a solid General Liability insurance policy. General liability insurance helps cover lawsuits that arise from the most common mishaps: spectator injuries and participant injuries. These lawsuits can be expensive; therefore, having insurance will help protect you from the financial burden placed on your organization. The financial liability from these types of lawsuits includes but is not limited to the emergency medical expenses, settlement costs, adverse jury verdicts, and legal fees.
In addition, Accident insurance is crucial to have as a diving organization. It is essential to implement because there are risks to diving that could cause severe accidents. These severe accidents could lead to an immense amount of medical bills that your business is liable for. Although an Accident policy can help pay for medical treatment expenses, some incidents are so severe that they will result in lawsuits. Therefore, General Liability insurance is still needed.
Why do I need diving insurance?
Diving may not seem like it, but it is an intense sport that is very impactful on the body. Hitting the water at such high speeds is very risky. In addition, there are copious other instances that could go wrong and cause injuries to the participant. Therefore, even when the coaches, instructors, and organizations do their due diligence, the risk will still be prevalent.
As a diving club, team, tournament host, or instructor, you need to have diving insurance to alleviate the potential liabilities from accidents in your facility or under your responsibility. Diving insurance is an excellent addition to your risk management procedures. It can finally help give peace of mind that the unforeseeable events have coverage.
What are the risks of diving?
Although diving is very beneficial to one’s health, it is a sport that carries risks. Like with all aquatic sports, there is a risk added from the possibility of water accidents such as drowning. In addition, diving is considered a collision sport because of the hard impact of the water. For example, a springboard diver hits the water at speed up to 19 mph, and a 10-meter platform diver hits the water up to 37 mph. 
Hitting the water at these such high speeds could cause serious injury even during a perfectly executed dive. Additionally, divers risk sustaining an injury by falling off the diving board or hitting their head when they jump to dive.
The common injuries in divers are the following:
- Shoulder Injuries (subluxation and dislocation)
- Neck Injuries
- Wrist and Hand Injuries
- Elbow Injuries
- Concussions
- Low Back Pain
Risk management strategies for diving
Whether you are an organizer, owner, or instructor of a diving team or event, you must establish solid risk management practices. These strategies will help you mitigate easily preventable risks. They essentially help guard against accidents before they have the chance to happen.
Your organization can apply the following strategies to help reduce negligence and mitigate risks.
- Choose the right diving board so that it is safe for use. The ideal diving board is made out of slip-proof, rugged material that is highly durable. In addition, the board must be the right type for the pool and meet all code requirements.
- Have the diving board inspected regularly so that the quality and installation are still intact
- Ensure that the water in the pool is deep enough for the height of the board. Diving into an unsuitable area can result in injury.
- Post a list of diving rules to ensure that all swimmers use the board safely.
- Have a lifeguard on duty to relay the rules of diving, monitor the divers, and help the divers in emergency situations.
- Only let the divers jump off boards that match their skill abilities.
- Have the divers sign a liability waiver, so they know the risks associated with the sport. In addition, a waiver could help take some of the liabilities off of your organization if an accident happens. Sadler sports offers both a liability waiver for adults and minors.
Recent diving injuries and lawsuits in the news
- Family sues West Playdium Pool over son’s injuries in fall from high dive
- Child Falls from 3-Meter Diving Board Resulting in Catastrophic Injury and 5 Million Dollar Jury Award
- Former Diving Club Member Abused By Coach Sues Ohio State
- Professional diver sues amusement park for $20M after paralysis from fall
The instances of lawsuits surrounding incidents on a diving team, tournament, facility, etc., are more common than you would assume. You want to guard against preventable accidents as much as possible. In addition, when an accident does happen, you’ll want to have insurance coverage to protect yourself and your business.
What is Diving? 
Diving is a sport where the athlete jumps from a raised platform or springboard into water. The diver performs acrobatics movements while in the air descending towards to water. As the diver approaches the water, they aim to have their arms straight above their head with straight body alignment.
Diving is a competitive sport where the dives are scored based on various criteria. Either the divers can compete as individuals or in a team of two where divers will synchronize their dives. There are six types of dives categorized based on their take-off position. The dive types are forward, back, inward, reverse, twist, and armstand.
In competitions, divers have six attempts to perform one dive of each type. The judges score the dives on the quality of the take-off, flight, and entry into the water. As well, points are awarded based on the difficulty of the moves. When all six dives are totaled, the diver with the most points is declared the winner.
Are there health benefits to diving?
There are several reasons why you should get involved in diving. It is not only a fun and rewarding sport, but it has a lot of benefits to your health and fitness. The diving activity requires a high degree of strength, flexibility, and focus.
Listed below are the main ways your health can benefit from joining in on the fun!
- Enhanced upper & lower body strength
- Improves cardiovascular health
- Greater flexibility and agility
- Tones muscles
- Better posture
- Increased concentration
Get diving insurance that fits you!
Diving is a great activity that is beneficial in many ways. However, it is inherently risky. Therefore, if you are responsible for a diving tournament, team, facility, or even a diving instructor, you need to guard against the risks. Sadler Sports and Recreation Insurance offers customizable Diving Insurance to fit your needs.
The right insurance policy will help to protect you against significant financial damages resulting from a lawsuit. You can create your perfect diving insurance strategy with Sadler Insurance customization policy option. We offer hassle-free, top-quality insurance and are ready to help you reduce your liabilities. Submit a quote to us today!