When choosing a liability insurance policy there are many questions you will need to ask to make sure you will be insured for all the risks associated with running a dive business.
You need to be sure that, so long as you are acting within the relevant Approved Code of Practice, you will be properly covered in the event that you, or your staff, cause injury or loss to a third party or their property.

There are many insurance policies available to cover your business, but very few of those will have been written specifically for running a dive business.
Many insurance policies will be based on or adapted from standard retail or commercial insurance policies, and would not provide adequate cover in the event of a claim associated with many aspects of running a dive business.
There are many brokers or insurance companies happy to quote for your liability insurance but not many of them will have the specialist knowledge of the diving industry and the associated risks.

Dive Master Insurance Consultants Ltd., the leading specialist in diving insurance offer a unique policy called INDIGO.

Indigo has been written especially for the dive trade to cover all aspects of running a dive business, including advice and instruction, servicing of equipment, and your liability to your staff or members of the public.
The Dive Master Indigo Liability Insurance will cover:

The advice and instruction given in connection with sport diving;
Failure to give correct advice in connection with sport diving;
Training in all main line recreational dive training courses including Technical Diving;
Training and instruction away from your own premises;
Training anywhere in the world (excl. USA and Canada) on the same terms as the UK;
Hiring, selling & servicing of dive equipment;
The liability between trainees under the supervision of your dive centre/school;
The liability for handling boats up to 15 metres in length;
Principals (i.e. Schools/Hotels/Tour Operators) if they are joined in a suit against you;
Product Liability on the goods and services you provide (incl. the quality of air that you pump);
Employer’s liability insurance required by UK law for both diving & non diving staff;
All advice given by all your employees whether full time, part time or voluntary;
The liability of operating a compressor.