Poll- Do you agree with the CDS getting out of the C- Card business?

[Kelly Jessop]

i won't. So basically regarding insurance the CDS is taking recommendations from a lawyer who is working for a insurance company that the CDS itself has no business relationship with. Well that makes it better...not.

Does any training agency in the scuba industry underwrite their own insurance? PADI insurance I think is actually Viencia and Buckley. If V&B tells PADI they need something done inorder to continue underwriting them,and PADI chooses not too,then instructors will be left scrambling to find insurance. This subject has truely been talked about in depth on archived threads here and TDS.

[Superlyte27]

This reminds me of a contract I signed for a lucrative job recently. The contract was literally 100 pages long. Actually, the first contract was only 36 pages long. The second part of the contract was 112 pages long. At any rate. I flipped to the last page of the contracts and signed my name and dated them. The manager who was clearly in disbelief said, "aren't you going to read any of it?" I replied, "is there any way I can get the job without signing this contract?" He laughed and said, "no". Well, that seems simple enough to me. I either sign and get the contract, or I don't sign and I don't get the job.

I want the job. I signed the contract. That's really all that matters.

Mr. Insurance Underwriter tells us, "don't publish your standards if you want us to be able to insure you". There's no questioning, no arguing, no back and forth, you simply say to yourself, "I want to be insurable". Shut your mouth and sign the paper.

[cerich]

Kelly, yes, every training agency I am aware of partners with a insurance broker who in turn works with a underwritter fir instructor liablity insurance. The insurance when a instructor buys is thru the agency who then takes their cut and send money to the broker that takes a cut and between them all a proof of coverage cert is sent to the instructor. Make no mistake all the policies offered are somewhat tied to the standards and actuarial risk of the agency involved.It is possible to find non agency specific insurance where a agency is not involved. It may be perfectly fine however the business relationship does NOT involve the agencies the instructor can teach for and because of that the insurance broker, underwritter and their lawyers are under NO obligation to look out for the training agencies interests, in fact it ould be good to actually present the agency standards as lacking to protect their clients. Ask Rick Lessor how that works, he's done it with his old employer. So if the CDS is taking advice from the lawyer of the insurance company a few of the CDS instrs have and has no direct relationship with it's a oretty bad idea.

[cerich]

This reminds me of a contract I signed for a lucrative job recently. The contract was literally 100 pages long. Actually, the first contract was only 36 pages long. The second part of the contract was 112 pages long. At any rate. I flipped to the last page of the contracts and signed my name and dated them. The manager who was clearly in disbelief said, "aren't you going to read any of it?" I replied, "is there any way I can get the job without signing this contract?" He laughed and said, "no". Well, that seems simple enough to me. I either sign and get the contract, or I don't sign and I don't get the job.

I want the job. I signed the contract. That's really all that matters.

Mr. Insurance Underwriter tells us, "don't publish your standards if you want us to be able to insure you". There's no questioning, no arguing, no back and forth, you simply say to yourself, "I want to be insurable". Shut your mouth and sign the paper.

So you must be operating under the impression that there is only one source of insurance coverage for CDS instructors? Sorry folks, this all does not add up.

[Superlyte27]

The insurance when a instructor buys is thru the agency who then takes their cut and send money to the broker that takes a cut and between them all a proof of coverage cert is sent to the instructor.

the "agency" you are referring to here is the Diving Agency?

[Superlyte27]

So you must be operating under the impression that there is only one source of insurance coverage for CDS instructors? Sorry folks, this all does not add up.

Nope, not under that impression at all. But how many are there really? Two significant ones and maybe a handful of insignificant insurance companies.

[cerich]

Yes.

the "agency" you are referring to here is the Diving Agency?

[Superlyte27]

Yes.

Yah, that's not really how it works.

[cerich]

Carl, I'm not here to make a big issue of this on the forum. I believe, based on my experience that the approach to liability insurance is not in the best interedts of the CDS. I have spoken to the vice chair and will work to put together a presentation to the board.

[FW]

Carl, I'm not here to make a big issue of this on the forum. I believe, based on my experience that the approach to liability insurance is not in the best interedts of the CDS. I have spoken to the vice chair and will work to put together a presentation to the board.

Getting paranoid are we That is Peter, not Carl, this time