Unit 13:
Risk Management and Insurance
• Safety is No Accident
• Some Legal Aspects
of NAUI Leadership
• The Concept of
Negligence
• Actions to Take if an
Accident Occurs
• Professional Liability
Insurance
Student Performance:
By the end of the lesson you will be able to:
•
•
•
•
•
•
•
•
Fulfill your professional obligations to divers and
students as well as your Association.
Explain the aim of NAUI’s risk management program.
Explain standard of care and duty, the concept of
negligence, and the assumption of risk.
Describe risks that cannot be assumed and explain the
proper use of waiver and release documents.
Describe some of the legal aspects of diving leadership
and instruction.
Explain the legal process and how it may affect you.
List actions to take in the event of an accident.
Explain the need for professional liability insurance in
litigious societies.
Safety Is No Accident
• Standard of care and
duty
– As a professional
you have a duty to
your students and
divers
• The reasonable and
prudent diving
professional
Assumption of Risk
• Accepting responsibility
– A person must:
• Have the capacity to
understand the risk
• Have the knowledge to
understand the risk
• Have the risk clearly
explained
• Not be coerced to
participate
• Risks that cannot be
assumed
Waivers and Releases
• Value of waivers
– Show accepted
responsibility
– Help reduce chance of
accidents
• Use of waivers is required
– Each participant must have
their own form
– Contents must be fully
explained
– No coercion in any way into
signing
Some Legal Aspects Of NAUI
Leadership
• You can be held
responsible for:
– The actions of others
(assistants, etc.).
– Equipment
malfunction or
failure.
• Careful and complete
record keeping and
continuing education
are indispensable.
• Can I be sued if...?
Some Legal Aspects Of NAUI
Leadership (continued)
• The concept of
negligence.
–
–
–
–
Duty
Breach of duty
Damages
Proximate cause
Actions To Take If An Accident
Occurs
• Have an accident plan and
follow it
• Be calm and act
• Complete and file a NAUI
Accident Report
• Retain the victim’s diving
equipment and personal
effects for the authorities
• Obtain advice from NAUI’s
attorneys as soon as possible
• State only the facts as you
know them
Professional Liability
Insurance
• About your
insurance
– Proof of liability
insurance
coverage
– Who is at risk?
– Getting
Coverage
End of Unit 13
Risk Management and Insurance
• Safety is No Accident
• Some Legal Aspects
of NAUI Leadership
• The Concept of
Negligence
• Actions to Take if an
Accident Occurs
• Professional Liability
Insurance
Student Performance:
By the end of the lesson you will be able to:
• Fulfill your professional obligations to divers and students
as well as your Association.
• Explain the aim of NAUI’s risk management program.
• Explain standard of care and duty, the concept of
negligence, and the assumption of risk.
• Describe risks that cannot be assumed and explain the
proper use of waiver and release documents.
• Describe some of the legal aspects of diving leadership and
instruction.
• Explain the legal process and how it may affect you.
• List actions to take in the event of an accident.
• Explain the need for professional liability insurance in
litigious societies.