Information Density: Divers Alert Network (DAN) – Signal Evidence & AI Readability

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MembershipMEMBERSHIP
[H2] EVERY DIVER SHOULD BE A MEMBER
Medical | Safety | Research | Insurance
Join TodayRenew NowContinuing Education – Barotrauma Legal DramaCONTINUING EDUCATION FOR DIVE PROSCourse 3: Barotrauma Legal Drama
Save an extra 5% on your liability insurance premium by completing this course.
Learn MoreDive Accident InsuranceINSURANCE
[H2] DIVE ACCIDENT INSURANCE
Proven Plans. Low Annual Rates.
Compare CoveragePro Liability InsurancePROFESSIONAL
[H2] INSURANCE FOR PROS
Save On Your Policy
View Coverage

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[H2] Programs & Services

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[H3] Membership
DAN now offers two levels of membership to give divers more choices than ever before. Select Enhanced Membership with higher coverage limits and a print subscription to Alert Diver magazine or choose Regular membership that provides proven benefits for dive travelers.

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[H3] Dive Accident Insurance
DAN dive accident insurance offers divers an affordable way to protect themselves against unpredictable expenses associated with diving accidents and dive travel. Plans pay 100% of eligible accident medical expenses up to US $500,000, and some cover nondiving and named water sports accidents as well as diving accidents.

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[H3] Travel Protection
With an option available for one trip or many, DAN ’s travel insurance programs feature good rates, great coverage, an optional cancel-for-any-reason provision and coverage for preexisting medical conditions.

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[H3] Liability Insurance
DAN RRG offers professional, group professional, and general liability insurance plans that provide worldwide coverage at attractive rates. New boat and vessel coverage and commercial property insurance are also available for dive businesses.

[H2] Membership
Join more than 250,000 of your fellow scuba divers who have already decided to become members.

Join

Renew Today

[H2] Health Resources

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[H3] 7 Mistakes Divers Make & How to Avoid Them

Smart Guides

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[H3] Guidelines for Diabetes and Recreational Diving

Health & Safety Guidelines

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[H3] Inner-Ear Barotrauma (IEBT)

Diseases & Conditions

[H2] Newsletter Signup
If you are not a DAN member and want to receive our monthly e-newsletter, signup today!
Each issue features up-to-date information about diver health and safety.

[H3] DAN at the ONR Undersea Medicine & NAVSEA Program Review
April 06, 2026
DAN recently attended the annual Office of Naval Research (ONR) Undersea Medicine and Naval…

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[H3] DAN’s 2025 DEMA Show Recap
November 20, 2025
At the 2025 DEMA Show in Orlando, DAN demonstrated our commitment to serving the…

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[H3] Know the Difference: Emergency Medical Transportation vs. Rescue
October 30, 2025
From picking the perfect destination to packing the right gear, planning a major dive…

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Pro Liability InsurancePROFESSIONAL
[H2] INSURANCE FOR PROS
Save On Your Policy
View Coverage

[H1] Insurance For Dive Pros And Businesses
Choose Professional, Group Professional, General Liability, or Commercial Property Insurance.
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[H4] Professional Liability
For individual dive pros Recognized by all training agencies Affordable, low premiums
View Coverage
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[H4] Group Professional Liability
For all dive pros on staffProtect all pros on one policyWorldwide protection wherever you teach
View Coverage
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[H4] General Liability
For dive centers & businessesCustomized coverage optionsTour & travel agent liability available
View Coverage
[H4] Commercial Property
Available in all 50 statesBuilding appraisalsClaims advocacy & loss control support
View Coverage
[H2] Take The Course. Save On Your Premium.
DAN’s continuing education for dive professionals is designed to provide dive pros and businesses with the knowledge and training to reduce the risk of accidents and injuries. DAN members are eligible to save approximately 5% on their professional liability insurance premium after completing the course.

Learn & Save
[H2] Coverage In The Caribbean & Select Territories
Liability insurance coverage is now available for dive professionals and operators located in the Caribbean and select U.S. territories through DAN World Insurance Group SP, a wholly owned subsidiary of Divers Alert Network.*
American Samoa
Antigua and Barbuda
APO/FPO addresses
Aruba
Bahamas
Barbados
Belize
Bermuda
Bonaire
British Virgin Islands
Cayman Islands
Curacao
Dominica
Dominican Republic
Guam
Honduras
Jamaica
Micronesia
Northern Mariana Islands
Palau
Puerto Rico
Saba
Saint Eustatius
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Sint Maarten
Saint Vincent and Grenadines
Turks and Caicos Islands
U.S. Virgin Islands
*Select coverage available only in the countries and territories listed above.
View Available Coverage
[H2] Frequently Asked Questions
Get answers to your Professional, Group Professional and General Liability Insurance questions.
View FAQs
[H2] There Are So Many Reasons To Choose DAN
When you choose DAN Risk Retention Group, you’re backed by more than an insurance policy. You’re supported by an organization that has reinvested more than $100 million in dive safety.
DAN has a history of helping divers for over 40 years
In-house medical, legal and risk mitigation support teams
Recognized by all major training agencies
Policies available to residents of all 50 states
Worldwide coverage
No Charge to add Additional insureds
Financial Stability Rating® of S, Substantial, from Demotech, Inc.
Annual policies can be purchased anytime during the year
Financing for general and group professional liability policies
Commercial property and boat/vessel insurance now available
For more information about Demotech or Financial Stability Ratings® (FSRs), visit demotech.com or call (800) 354-7207. The most current FSR must be verified by visiting demotech.com.
[H2] Pros Choose DAN
Their stories are different but they share a common theme. More and more dive professionals and businesses are choosing DAN for their professional, group professional and general liability insurance needs.

[H4] “I choose DAN because they’re easy to work with and it’s a company with a strong track record.”
[H4] – David Hollis, Diventures

[H4] “I choose DAN because I feel like we’re on the same team working toward keeping our industry safe.”
[H4] – Diana Madaras, Scuba Luv Maui

[H4] “I choose DAN because I can pick up the phone and I know that we’re going to be taken care of.”
[H4] – Scott Taylor, A-1 Scuba Travel & Aquatics Center

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[H4] “DAN is the gold standard. I choose DAN because of the price and their professionalism, and they have always been there for us.”
[H4] – Sophie Wimberley and Barbara Thompson, Dive Pirates

View Their Stories
[H2] Make Safety Your First Priority
DAN’s Safety Tips for Dive Operators guide identifies risks involved with running a dive operation and what can be done to mitigate accidents and injuries.
It outlines minimum safety standards for various aspects of dive operations and provides a foundation for refining safety protocols by offering dive safety officers and other dive pros a tested approach for assessing safety and modifying practices to prevent incidents and limit liability.
Explore some of the other ways DAN can help you operate your business more safely.

View Safety Tips
[H2] DAN Is Here For You
The world’s best training agencies put DAN on their side.

Florida-Keys

Lembah-Resort

Garmin

Murex-Dive-Resorts

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Odyssey-Adventures

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Scubapro

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Feature your training agency.
Liability Customer Service
DAN RRG’s Liability Insurance team is ready to help you protect you or your business.
Monday–Friday, 8:30 a.m.–5 p.m. ET+1-919-684-2948
Fax: +1-919-490-2935
Email:
Incidents And Claims
Collect all relevant information and send it to DAN RRG. If the incident involves a fatality or serious bodily injury, contact us immediately.
Monday–Friday, 8:30 a.m.–5 p.m. ET
+1-919-684-2948
Email:
Liability Insurance Resources
Liability Insurance FAQs
What To Do After An Incident
Incident Report Form
Liability Coverage
Professional Liability Insurance (PL)
Group Professional Liability Insurance (GPL)
General Liability Insurance (GL)
Subject to the terms, conditions, and limitations of DAN Risk Retention Group Policy IPL113 (May 1, 2026), GL113 (May 1, 2026) and GPL113 (May 1, 2026). Coverage may vary and may not be available in all states, countries, or territories. Financing subject to loan approval.
DAN World Insurance Group SP is a wholly owned subsidiary of Divers Alert Network, with offices at c/o Artex Risk Group, 3rd Floor, Willow House, Cricket Square, 171 Elgin Ave., P O Box 10233, Grand Cayman KY1-1002 Cayman Islands.

Dive Accident InsuranceINSURANCE
[H2] DIVE ACCIDENT INSURANCE
Proven Plans. Low Annual Rates.
Compare Coverage

[H1] Dive Accident Insurance
DAN dive accident insurance* is an affordable way for divers to obtain insurance against the costs of dive injuries that are often left uncovered by typical health insurance.
Covers diving accidents & injuries, and some plans also cover nondiving and named water sports accidents & injuries
Pays 100% of eligible accident medical expenses up to US$500,000
Includes coverage for divers age 70 and over
Join DAN first, then add your insurance
Plans recognized worldwide
Annual coverage

Help Is Just A Phone Call Away
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Help Is Just A Phone Call AwayMembers have access to dive accident insurance coverage that is recognized worldwide.
[H3] Accident Medical Expense Coverage
Coverage for hyperbaric chamber treatment, physician and hospital charges and emergency transportation by ground, air or marine ambulance.
[H3] Accidental Death & Dismemberment
Coverage for loss of life or limb resulting from a covered diving accident or named water sport accident while on a trip.
[H3] Permanent & Total Disability
Coverage if permanently unable to return to work due to a covered diving accident or named water sports accident while on a trip.
Search & Rescue CoverageCoverage for hyperbaric chamber treatment, physician and hospital charges and emergency transportation by ground, air or marine ambulance.
[H3] Extra Transportation & Accommodation
Coverage for airfare, hotels, meals and incidentals if your return travel is delayed due to treatment prescribed by a doctor after a covered diving accident.
[H3] Lost Diving Equipment
Coverage for equipment such as a regulator, BCD, dive computer or fins that are unintentionally lost or damaged as a result of a covered diving accident.
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Compare Coverage
[H2] DAN Dive Accident Insurance May Make A World Of Difference
When you’re far from home and need emergency medical assistance, it pays to have DAN dive accident coverage.

[H3] DCS In Maldives
DAN dive accident insurance Guardian plan paid US$33,697 for two covered divers who needed several days of hyperbaric treatments.Full Story

[H3] Barotrauma In Honduras
DAN dive accident insurance Preferred plan covered a diver for US$14,713 who suffered severe barotrauma and DCS.Full Story

[H3] Evacuation In Maldives
DAN dive accident insurance Guardian plan handled US$19,787 in expenses for six hyperbaric chamber treatments after an air evacuation.Full Story

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[H3] Paralyzed and Disoriented in The Caribbean
This member’s DAN Dive Accident Insurance Preferred Plan covered over $22,000 in medical expenses after suffering temporary paralysis.Full Story

[H3] Dive Accident Insurance Resources
Have questions about DAN dive accident insurance? Explore these helpful resources.
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[H4] Dive Accident Insurance FAQs
Learn More
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[H4] Dive Accident vs Travel Insurance
Learn More
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[H4] Covering Divers Age 70 And Over
Learn More
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[H4] DAN Dive Accident Insurance Claim Stories
Learn More
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[H4] Myths About Dive Accident Insurance and Diving Accidents
Learn More
DAN Customer Service
Monday–Friday, 8:30 a.m.–5 p.m. ET+1 (919) 684-2948
+1-800-446-2671
FAX: +1 (919) 490-6630
EMAIL:
24/7 Emergency Hotline
In event of a dive accident or injury, call local EMS first then call DAN.
24/7 Emergency Hotline
+1 (919) 684-9111
(Collect calls accepted)
DAN must arrange transportation for covered emergency medical evacuation fees to be paid.
Medical Information Line
Get answers to your non-emergency related, health and diving questions.
Monday–Friday, 8:30 a.m.–5 p.m. ET
+1 (919) 684-2948, Option 4
EMAIL:
ONLINE: Ask A Medic
Allow 24-48 hours for a response.
Dive Safety Resources
DAN Physician Referral Network
Health & Safety Guidelines
Dive Medical Reference Books
Smart Guides
Case Summaries
*Compare coverage for complete coverage details; coverage and availability varies by state, province and plan.
For residents of NY, insurance is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York, with its principal place of business of 28 Liberty Street, Floor 45th, New York, NY 10005-1400. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary by state.  AG 12070
For residents of all other U.S. states and the District of Columbia insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445. This summary provides only brief descriptions of the coverages available. The issued policy and certificate will contain reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage will be contained in the issued policy and certificate. If there are any conflicts between this summary and the issued policy and certificate, the policy and certificate shall govern in all cases. Coverage may vary by state or may not be available in all states.
In Canada, DAN World Dive Accident Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch) 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 CANADA

MembershipMEMBERSHIP
[H2] EVERY DIVER SHOULD BE A MEMBER
Choose Regular or New Enhanced Membership
Join NowRenew Now

[H1] DAN Membership Options
Two Levels of Membership Give Divers More Choices Than Ever Before
BENEFITS
REGULAR MEMBERSHIP
ENHANCED MEMBERSHIP
Emergency Medical Transportation & Travel Assistance Benefits
Up To US$150,000
Up To US$500,000
Alert Diver Magazine Subscription
Digital Only
Print + Digital
DAN TravelAssist® Benefits
Regular
Enhanced
Global Security Evacuation
X
✓
Search & Rescue Coverage
X
✓
Access To Purchase DAN Dive Accident Insurance
✓
✓
24/7 Emergency Hotline
✓
✓
Medical & Safety Consultations
✓
✓
New Severe Infectious Disease & Quarantine Coverage
X
Up To US$5,000
Annual Individual Membership
US$40
US$75
Annual Family Membership
US$60
US$100
DAN membership alone does not provide coverage for the costs of a dive accident; dive accident insurance must be purchased separately for each member. View the Member Benefits Handbook for complete terms and conditions of coverage. Compare all Regular and Enhanced Membership benefits.
Join Now
Enhanced Membership
Taking Safety to Another Level
DAN’s Enhanced Membership builds upon the proven benefits of Regular Membership and adds higher coverage limits and a host of other valuable benefits to meet the needs of today’s divers and travelers.
Includes print subscription and digital access to Alert Diver magazine
Learn More
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Regular Membership
Essential Benefits for Every Diver
DAN Regular Membership provides proven benefits for divers and travelers and offers digital access to Alert Diver magazine online or through the DAN app.
Learn More
[H1] Refer a Dive Buddy for DAN Membership
Already a member? Refer your dive friends to DAN for a lifetime a safer diving.
Refer a Buddy
DAN Customer Service
Mon–Fri, 8:30 a.m. – 5 p.m. ET
+1-919-684-2948
Fax: +1-919-490-6630
Email:
24/7 Emergency Hotline
In event of a dive accident or injury, call local EMS first, then call DAN.
24/7 Emergency Hotline:
+1-919-684-9111
(Collect calls accepted)
DAN must arrange transportation for covered emergency medical evacuation fees to be paid.
Medical Information Line
Get answers to your nonemergency health and diving questions.
Mon–Fri, 8:30 a.m. – 5 p.m. ET
+1-919-684-2948, Option 4
Online: Ask A Medic
(Allow 24-48 hours for a response.)
Dive Safety Resources
DAN Physician Referral Network
Health & Safety Guidelines
Dive Medical Reference Books
Smart Guides
Case Summaries
DAN Regular and Enhanced Membership include automatic enrollment in DAN TravelAssist®. Emergency Medical Transportation and Travel Assistance Benefits are available for both diving and non-diving emergencies, with an aggregate benefit limit for Regular Membership up to $150,000 ($100,000 for residents of NY) and an aggregate benefit limit for Enhanced Membership up to $500,000. Enhanced Membership not available for residents of NY.
DAN TravelAssist® benefits are provided by DAN, Travel Guard, and other service providers depending on the benefit. To access these benefits or to request emergency medical transportation or a severe infectious disease evacuation, you must contact DAN TravelAssist for assistance. Emergency medical transportation and severe infectious disease evacuation transportation arranged directly by you may not be reimbursed.
Emergency Medical Transportation and Travel Assistance Benefits and Severe Infectious Disease and Quarantine Coverage Benefits are insured benefits underwritten for residents in the District of Columbia and in all states except New York, by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445.
For residents of NY, Emergency Medical Transportation and Travel Assistance Benefits insurance is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York, with its principal place of business of 28 Liberty Street, Floor 45th, New York, NY 10005-1400.
This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions, definitions and termination provisions. Coverage may vary by state or may not be available in all states.
In Canada, DAN World Dive Accident Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch) 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 CANADA