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>1) This is the United States of America, where the bottom line reign
>supreme. No other single consideration shall be allowed to cloud
>people's judgement. After all, it's people's wallets who's at stake
>there.

In the US, an instructor's professional underwater liability insurance policy
premium will cost somewhere between $300 and $600 depending on limits, program
levels, etc.

As a certified public accountant, my professional liability insurance premium
runs about 10 times that much for about the same coverage.

Some of this can be explained by the relative risk and probability of an
insurance company payout.


Most of it, I think, is that people don't mind if you kill them, but they'll
hang you out to dry if you mess with their money.



RatDiver

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