SH315: The Insurance Illusion

Counter-Errorism in Diving: Applying Human Factors to Diving · Oct 17, 2026 · 10m

This episode explores what diving insurance can—and cannot—do, drawing on insights from two highly experienced dive insurance underwriters. Insurance can help cover the financial consequences of an incident, but it does not make diving safer or prevent harm, and policies may have conditions that limit when they will respond. The discussion also highlights how difficult it is for the diving industry to learn from incidents because insurers hold much of the claims data but cannot normally share it with training agencies. At the same time, qualifications and certificates may give little…