Re: Read the policy, the first place to look for a dive instructor

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Posted by Jim Hoffmann on May 23, 2003 at 11:01:57:

In Reply to: Re: Jim, you miss the point! posted by Chris on May 23, 2003 at 10:16:18:

Chris, the way the policy is written is that it protects the additional insured from the actions of the insured. There is no protection for the actions of the additional insured.
Here how it was explained to me.
I have a pool on site. One of my instructors has the store as an additional insured. If one of my instructors has an accident in my pool during a class, then Iím covered by his policy.
But, if a student in this class swims down and gets his hand stuck in the drain (because the drain cover was off) and has an accident, Iím not covers be the instructors additional insured put of the policy. Iím cover if the instructor is at fault not if Iím at fault.
The insurance companies are not our friends, we need to read and understand what the policy covers and what it doesnít.

Jim Hoffmann

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