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Professional Liability
REVOLUTIONISING INSURANCE FOR DIVE PROFESSIONALS

At DAN Southern Africa, we’ve partnered with Bi-me to bring you a state-of-the-art digital platform that delivers indemnity and liability solutions tailored to your unique needs. Bi-me’s innovative approach to transforming the traditional insurance model ensures you receive exceptional service, 24/7, with a seamless experience from start to finish. This partnership provides you with comprehensive coverage and reliable support, making business insurance simpler, faster, and more effective than ever before. Discover a smarter way to protect your business with DAN and Bi-me—because your peace of mind is our priority.
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Professional Liability Insurance

Coverage For Individual Dive Pros

The Professional Liability option is tailored for individual professionals in the diving industry, offering essential third-party legal liability coverage at highly competitive rates. Designed to provide peace of mind without breaking the bank, this option is ideal for those managing on a tighter budget while still prioritising protection.

Key Features:
  • R1 million limit on individual claims
  • R2 million annual aggregate cap
  • R5,000 excess
  • Available exclusively to active DAN Master Pro and Master Tech members
  • Coverage is limited to South Africa

Stay protected while focusing on what you do best—sharing your passion for diving.
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Business Liability Insurance

Coverage For Dive Centers & Stores

Protect your diving business with our all-in-one, all-risk third-party legal liability coverage, specifically designed to meet the unique needs of the diving industry. This policy provides extensive protection against a broad range of legal liabilities, giving you the confidence to navigate unexpected challenges with ease.

Key Features:
  • R2.5 million limit on individual claims
  • R5 million annual aggregate cap
  • R10,000 excess
  • Available exclusively to active DAN Master Pro and Master Tech members
  • Coverage is limited to South Africa

With this comprehensive policy, you can focus on growing your business while knowing you’re safeguarded against the unexpected.
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What’s Covered

The SureThing and DAN offers extensive legal liability coverage, designed to safeguard your business against a wide range of risks and provide a strong defence against third-party claims. This includes legal costs for POPIA regulatory inquiries, support for workplace vaccine disputes, and business-related legal contraventions. The policy also covers injury and damage claims, including those resulting from cyber incidents, Directors & Officers liability, and Professional Indemnity.  SureThing is crafted to prevent common coverage gaps, ensuring your business is protected on all fronts. With this comprehensive policy, you can confidently navigate legal challenges while focusing on your success.

- Public Liability

- Product Liability

- Care, Custody, Control

- Cyber Liability

- Employment Practices

- Directors & Officers

- Defamation

- Pollution

- Defective Workmanship

- Employers Liability

- Professional Indemnity

- Trustee Liability

Frequently Asked Questions

Is cyber liability covered?
Yes, only for third-party liability. Business interruption and forensic costs are not covered. Claims for third-party data loss and privacy breaches are included.
Are costs for regulatory enquiries covered?
Yes, up to R250,000 for legal representation in enquiries like those from the POPIA regulator.
How does policy renewal work?
The policy automatically renews each year with the same terms and conditions, unless there is a claim or the business no longer meets the qualifying criteria. An inflationary increase in the premium may be applied with 30 days’ notice. The insured must confirm that they still meet the SureThing requirements.
Is commercial crime or staff theft covered?
No, commercial crime and staff theft are considered first-party losses suffered by the business and are not covered by the SureThing policy.
Does the policy cover my business’s own losses?
No, our policy does not cover first-party losses. It only covers liability to third parties arising from wrongful acts.
Is liability insurance available in all countries within the DAN Southern Africa region?
Currently, liability insurance is only available within South Africa. 

Dive Emergency Hotline
CALL FOR ASSISTANCE

+27 828 10 60 10

DAN's Emergency Hotline staff members are on call 24 hours a day, 365 days a year, to provide information, assist with care coordination and evacuation assistance.
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