{"id":21921,"date":"2022-05-31T10:24:06","date_gmt":"2022-05-31T14:24:06","guid":{"rendered":"https:\/\/world.dan.org\/?page_id=21921"},"modified":"2026-04-14T13:43:18","modified_gmt":"2026-04-14T17:43:18","slug":"dan-world-insurance-group-sp-faqs","status":"publish","type":"page","link":"https:\/\/world.dan.org\/fr\/dan-world-insurance-group-sp-faqs\/","title":{"rendered":"FAQ sur l'assurance responsabilit\u00e9 civile DAN World"},"content":{"rendered":"<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-professional-liability-insurance-individual-and-group\"><span style=\"color: #111111;\" class=\"stk-highlight\">Assurance responsabilit\u00e9 professionnelle (individuelle et collective)<\/span><\/h1>\n\n\n\n<p class=\"has-medium-font-size\">DAN World Insurance Group SP est l\u00e0 pour vous aider \u00e0 r\u00e9pondre \u00e0 vos besoins en mati\u00e8re d'assurance responsabilit\u00e9 civile. Contactez DAN World IGSP au +1 (919) 684-2948 du lundi au vendredi, de 8:30am \u00e0 5:00pm ET ou envoyez un email \u00e0&nbsp;<a href=\"mailto:LiabilityInsurance@DAN.org\">liabilityinsurance@dan.org.<\/a><\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-amp-enrollment\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Admissibilit\u00e9 et inscription<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-1&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-1-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-1\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Qui peut souscrire une couverture ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-1\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-1-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Actuellement, DAN World Insurance Group SP<a>&nbsp;<\/a>ne peut inscrire que (i) les professionnels de la plong\u00e9e qui r\u00e9sident dans certains pays des Cara\u00efbes et dans les territoires am\u00e9ricains et britanniques et qui sont titulaires d'un dipl\u00f4me d\u00e9livr\u00e9 par un organisme de formation agr\u00e9\u00e9. DAN travaille avec d'autres assureurs pour offrir une couverture de responsabilit\u00e9 civile dans d'autres pays et territoires.  Nous vous tiendrons au courant de l'\u00e9volution de la situation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-2&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-2-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-2\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quels sont les organismes de formation qui reconnaissent l'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-2\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-2-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>L'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP est accept\u00e9e par toutes les principales agences de formation. Cela inclut PADI, NAUI, SDI, SSI, TDI, IANTD, PDIC, PFI, PSS, RAID, NASE, AIDA, SEI et d'autres. Si votre organisme de formation ne figure pas dans la liste, contactez un sp\u00e9cialiste de l'assurance responsabilit\u00e9 civile pour en savoir plus sur la couverture.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-3&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-3-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-3\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">L'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP r\u00e9pond-elle aux exigences des organismes de formation en mati\u00e8re de couverture ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-3\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-3-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, la police d'assurance du DAN World Insurance Group SP r\u00e9pond aux exigences d'assurance de toutes les agences de formation en plong\u00e9e.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-4&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-4-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-4\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Puis-je souscrire une couverture en tant que moniteur de plong\u00e9e libre ou de natation ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-4\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-4-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, l'assurance responsabilit\u00e9 civile professionnelle (individuelle et collective) offre des options aux personnes qui n'enseignent pas la plong\u00e9e sous-marine mais qui sont qualifi\u00e9es pour enseigner l'apn\u00e9e, la plong\u00e9e r\u00e9cr\u00e9ative \u00e0 l'air comprim\u00e9 en surface (RSSA), la natation, la plong\u00e9e sous-marine et la plong\u00e9e avec tuba.&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-5&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-5-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-5\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Y a-t-il une limite d'\u00e2ge pour l'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-5\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-5-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Tous les professionnels de la plong\u00e9e qualifi\u00e9s peuvent b\u00e9n\u00e9ficier d'une couverture au titre de la police d'assurance DAN World Insurance Group SP, \u00e0 condition qu'ils remplissent les conditions d'\u00e2ge impos\u00e9es par leur organisme de formation.  Le Groupe DAN World Insurance SP n'impose aucune limite aux normes de formation \u00e9labor\u00e9es par les organismes de formation et suit de pr\u00e8s les lignes directrices recommand\u00e9es par ces organismes.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-6&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-6-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-6\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Comment puis-je demander une couverture ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-6\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-6-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Vous devez remplir le formulaire de demande qui se trouve sur le site World.DAN.org\/Liability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-7&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-7-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-7\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Combien de membres du personnel peuvent \u00eatre couverts par mon contrat collectif de responsabilit\u00e9 professionnelle ?&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-7\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-7-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Actuellement, il n'y a pas de limite au nombre de membres du personnel qui peuvent \u00eatre couverts par votre police collective de responsabilit\u00e9 professionnelle. Mais n'oubliez pas que tous les membres du personnel partagent le m\u00eame plafond de garantie.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-coverage-limits\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Couverture \/ Limites<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-8&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-8-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-8\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quels produits d'assurance proposez-vous aux professionnels de la plong\u00e9e ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-8\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-8-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>DAN World Insurance Group SP propose une assurance responsabilit\u00e9 civile professionnelle (individuelle et collective). Les professionnels de la plong\u00e9e peuvent \u00e9galement souscrire une assurance accident de plong\u00e9e ou une assurance voyage parrain\u00e9e par DAN.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-9&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-9-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-9\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quand ma police entrera-t-elle en vigueur ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-9\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-9-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>La date d'entr\u00e9e en vigueur est g\u00e9n\u00e9ralement fix\u00e9e \u00e0 0h01 le jour suivant l'envoi de votre demande, mais l'approbation peut prendre jusqu'\u00e0 48 heures. Si vous pr\u00e9f\u00e9rez une date d'entr\u00e9e en vigueur plus tardive, vous pouvez choisir la date \u00e0 laquelle vous souhaitez que la couverture commence. Pour \u00e9viter une interruption de la couverture, veuillez soumettre votre demande avant la date d'expiration. Il n'y a pas de d\u00e9lai de gr\u00e2ce.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-10&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-10-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-10\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Dois-je souscrire \u00e0 la fois une assurance responsabilit\u00e9 civile et une assurance accidents de plong\u00e9e DAN ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-10\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-10-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, il est judicieux de souscrire les deux types d'assurance, car chaque produit offre des avantages diff\u00e9rents. L'assurance responsabilit\u00e9 civile professionnelle, collective et g\u00e9n\u00e9rale vous prot\u00e8ge lorsqu'un \u00e9l\u00e8ve ou un client se blesse et d\u00e9pose une plainte contre vous ou votre entreprise. L'assurance accidents de plong\u00e9e DAN vous prot\u00e8ge contre les frais de caisson hyperbare, les frais de m\u00e9decin et d'h\u00f4pital et les frais d'ambulance encourus en cas d'accident de plong\u00e9e. L'assurance responsabilit\u00e9 civile et l'assurance accident de plong\u00e9e ne sont pas interchangeables et les garanties ne se recoupent pas.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-11&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-11-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-11\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Proposez-vous des contrats \u00e0 court terme de moins de 12 mois ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-11\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-11-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Nous ne proposons pas de polices \u00e0 court terme. Nos polices ont une dur\u00e9e de 12 mois.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-12&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-12-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-12\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Ma police est-elle bas\u00e9e sur la date des r\u00e9clamations ou sur la survenance d'un \u00e9v\u00e9nement ?&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-12\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-12-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>La police de responsabilit\u00e9 professionnelle (individuelle et collective) est une police bas\u00e9e sur la date des r\u00e9clamations, ce qui signifie que la couverture est d\u00e9clench\u00e9e lorsqu'une r\u00e9clamation est faite contre l'assur\u00e9 et qu'elle est d\u00e9clar\u00e9e au souscripteur pendant que la police est en vigueur. Si une r\u00e9clamation est faite alors que la police n'est pas en vigueur, il n'y a pas de couverture pour cette r\u00e9clamation.&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-13&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-13-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-13\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">O\u00f9 suis-je couvert lorsque j'enseigne ou supervise des plongeurs ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-13\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-13-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>La police de responsabilit\u00e9 professionnelle (individuelle et collective) offre une couverture mondiale.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-14&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-14-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-14\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Les instructeurs qui donnent des cours de s\u00e9curit\u00e9 publique sont-ils couverts par l'assurance responsabilit\u00e9 professionnelle ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-14\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-14-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Toutes les polices de responsabilit\u00e9 professionnelle (individuelles et collectives) couvrent l'assur\u00e9 pour l'enseignement de la plong\u00e9e de s\u00e9curit\u00e9 publique. Toutefois, l'assur\u00e9 n'est pas couvert lorsqu'il travaille en tant que plongeur de s\u00e9curit\u00e9 publique.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-15&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-15-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-15\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">L'assurance responsabilit\u00e9 civile professionnelle du Groupe DAN World Insurance SP couvre-t-elle les formations qui se d\u00e9roulent dans un parc national ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-15\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-15-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, les polices de responsabilit\u00e9 professionnelle (individuelle et collective) couvrent l'assur\u00e9 lorsqu'il s'entra\u00eene dans un parc national.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-16&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-16-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-16\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">L'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP me prot\u00e8ge-t-elle contre les r\u00e9clamations li\u00e9es au COVID-19 ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-16\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-16-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Non, l'assurance responsabilit\u00e9 civile du Groupe DAN World Insurance SP ne vous prot\u00e8ge pas, vous ou votre entreprise, contre les r\u00e9clamations d\u00e9coulant du COVID-19 ou li\u00e9es \u00e0 celui-ci. Les maladies infectieuses sont exclues de la police, comme c'est le cas pour la plupart des polices d'assurance responsabilit\u00e9 civile du secteur.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-17&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-17-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-17\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">La police pr\u00e9voit-elle une exclusion en cas de pand\u00e9mie ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-17\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-17-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Les polices d'assurance responsabilit\u00e9 civile professionnelle (individuelle et collective) ne comportent pas d'exclusion sp\u00e9cifique en cas de pand\u00e9mie. Cependant, toutes les polices contiennent une exclusion pour les pertes r\u00e9sultant d'une maladie transmissible, ce qui inclut la pand\u00e9mie.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-18&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-18-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-18\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Suis-je habilit\u00e9 \u00e0 enseigner les recycleurs ou la plong\u00e9e technique ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-18\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-18-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, la formation au recycleur et\/ou \u00e0 la plong\u00e9e technique est incluse dans la police pour les professionnels qualifi\u00e9s. Pour que la couverture soit valable, les candidats doivent \u00eatre en possession des certifications et des classements appropri\u00e9s pour l'\u00e9quipement utilis\u00e9.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-19&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-19-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-19\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">L'assurance responsabilit\u00e9 professionnelle comprend-elle une couverture des actes ant\u00e9rieurs ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-19\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-19-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, il s'agit d'une police bas\u00e9e sur la date des r\u00e9clamations qui couvre toutes les r\u00e9clamations pr\u00e9sent\u00e9es pendant la dur\u00e9e de la police, \u00e0 condition que l'incident\/le sinistre soit survenu apr\u00e8s la premi\u00e8re date \u00e0 partir de laquelle vous avez b\u00e9n\u00e9fici\u00e9 d'une couverture d'assurance responsabilit\u00e9 civile professionnelle continue. Cette couverture peut avoir \u00e9t\u00e9 souscrite aupr\u00e8s d'un autre assureur, mais elle doit avoir \u00e9t\u00e9 continue.  Si vous avez connu une interruption de couverture ou s'il s'agit d'une nouvelle couverture, il n'y a pas de couverture des actes ant\u00e9rieurs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-20&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-20-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-20\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Comment la couverture fonctionne-t-elle dans le cadre d'une police collective de responsabilit\u00e9 professionnelle ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-20\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-20-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>La couverture est la m\u00eame que dans le cadre d'une police individuelle, mais il convient de noter ce qui suit :<\/p>\n\n\n\n<p>1. Tous les membres du personnel couverts par une police collective partagent une limite de responsabilit\u00e9 unique (1T4T1 million\/ 1T4T2 million agr\u00e9g\u00e9) et cette limite est r\u00e9duite \u00e0 chaque fois qu'une demande d'indemnisation est formul\u00e9e.<\/p>\n\n\n\n<p>2. Coverage only applies to professional services provided by your staff to the store\u2019s customers.&nbsp;&nbsp;If a dive professional teaches or leads a dive trip with someone who is not a customer of the dive shop, the dive professional has no coverage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-21&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-21-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-21\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quelles sont les limites disponibles ?&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-21\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-21-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Les polices d'assurance responsabilit\u00e9 professionnelle (individuelle et collective) ont une limite de $1 million par sinistre \/ $2 millions au total.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-22&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-22-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-22\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Suis-je expos\u00e9 \u00e0 une responsabilit\u00e9, que je choisisse ou non de porter secours ?&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-22\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-22-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Chaque cas sera soumis \u00e0 la l\u00e9gislation de l'\u00c9tat et d\u00e9pendra des faits, mais sachez qu'un plaignant peut intenter une action contre vous quoi qu'il arrive, et vous imposer la charge de la preuve pour vous d\u00e9fendre.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-23&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-23-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-23\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Si j'enseigne pour plusieurs organismes de formation \u00e0 la plong\u00e9e, puis-je \u00eatre couvert par une seule responsabilit\u00e9 collective ?&nbsp;<br>police d'assurance ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-23\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-23-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, la police collective de responsabilit\u00e9 professionnelle est con\u00e7ue pour couvrir un professionnel pour les services fournis conform\u00e9ment aux directives de l'une des agences de formation agr\u00e9\u00e9es. Toutefois, dans le cadre d'une police collective, les services professionnels doivent \u00eatre fournis aux clients de l'entreprise de plong\u00e9e assur\u00e9e. Les services professionnels que vous fournissez en dehors du cadre de vos responsabilit\u00e9s en tant qu'employ\u00e9 ou entrepreneur ind\u00e9pendant de l'entreprise de plong\u00e9e ne sont pas couverts par une police collective.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-24&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-24-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-24\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Les frais de d\u00e9fense sont-ils inclus dans les limites de la police ou en sont-ils exclus ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-24\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-24-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Les frais de d\u00e9fense sont inclus dans la limite globale des polices de responsabilit\u00e9 professionnelle (individuelle et collective).<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-endorsements-changes-policy\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Politique d'approbation et de modification<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-25&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-25-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-25\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Puis-je ajouter un avenant apr\u00e8s avoir souscrit ma police ?&nbsp;&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-25\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-25-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Nous n'avons pas d'avenants \u00e0 la police d'assurance responsabilit\u00e9 civile de DAN World.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-26&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-26-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-26\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Y a-t-il des frais pour ajouter des assur\u00e9s suppl\u00e9mentaires ? Qu'en est-il des frais li\u00e9s \u00e0 l'am\u00e9lioration des polices d'assurance ?&nbsp;&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-26\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-26-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Il n'y a pas de frais suppl\u00e9mentaires pour ajouter des assur\u00e9s suppl\u00e9mentaires ou du personnel enseignant. Il n'y a pas de frais suppl\u00e9mentaires pour les am\u00e9liorations, mais il peut y avoir une prime suppl\u00e9mentaire en fonction de ce qui est ajout\u00e9 \u00e0 la police.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-27&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-27-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-27\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Qui peut \u00eatre un assur\u00e9 suppl\u00e9mentaire ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-27\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-27-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Les assur\u00e9s suppl\u00e9mentaires sont des tiers qui peuvent \u00eatre ajout\u00e9s \u00e0 la police sans frais suppl\u00e9mentaires. Les assur\u00e9s additionnels list\u00e9s sont alors prot\u00e9g\u00e9s par votre police et b\u00e9n\u00e9ficient d'une couverture contre les r\u00e9clamations r\u00e9sultant des services professionnels que vous (l'assur\u00e9 d\u00e9sign\u00e9) fournissez en tant que chef de plong\u00e9e, instructeur ou propri\u00e9taire d'entreprise. Les instructeurs ou les divemasters ne peuvent pas \u00eatre ajout\u00e9s en tant qu'assur\u00e9s suppl\u00e9mentaires ; ils doivent disposer de leur propre assurance responsabilit\u00e9 civile professionnelle ou figurer sur la liste des membres du personnel assur\u00e9s dans le cadre d'une police collective.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-28&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-28-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-28\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Puis-je modifier le personnel enseignant agr\u00e9\u00e9 ou ajouter des assur\u00e9s suppl\u00e9mentaires apr\u00e8s avoir souscrit ma police ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-28\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-28-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, des modifications peuvent \u00eatre apport\u00e9es \u00e0 tout moment. Vous pouvez ajouter\/supprimer du personnel ou ajouter\/supprimer des assur\u00e9s suppl\u00e9mentaires d\u00e9sign\u00e9s. Contactez un repr\u00e9sentant en responsabilit\u00e9 civile pour obtenir de l'aide.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-renewals\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Renouvellements<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-29&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-29-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-29\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quand dois-je renouveler ma police d'assurance responsabilit\u00e9 civile ?&nbsp;&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-29\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-29-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Si vous souhaitez b\u00e9n\u00e9ficier d'une couverture continue, vous devez renouveler votre contrat au plus tard la veille de son expiration. Des avis de renouvellement vous seront envoy\u00e9s pour vous le rappeler ; toutefois, vous pouvez renouveler votre contrat au plus tard la veille de son expiration pour que votre couverture ne devienne pas caduque. Il n'y a pas de d\u00e9lai de gr\u00e2ce.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-30&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-30-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-30\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Je n'enseignerai plus pendant un certain temps, pourquoi devrais-je renouveler ma couverture ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-30\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-30-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>L'assurance responsabilit\u00e9 civile professionnelle \u00e9tant une police bas\u00e9e sur la date des r\u00e9clamations, elle exige que vous soyez couvert au moment o\u00f9 la r\u00e9clamation est faite.  Si une r\u00e9clamation est faite et que votre couverture est p\u00e9rim\u00e9e, vous ne serez pas couvert. Vous devez souscrire une assurance compl\u00e9mentaire pour \u00eatre prot\u00e9g\u00e9.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-31&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-31-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-31\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Le Groupe DAN World Insurance SP offre-t-il une couverture arri\u00e8re ?&nbsp;&nbsp;&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-31\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-31-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, une couverture compl\u00e9mentaire est disponible pour vous prot\u00e9ger contre les demandes d'indemnisation pr\u00e9sent\u00e9es apr\u00e8s votre d\u00e9part \u00e0 la retraite. Apr\u00e8s quelques ann\u00e9es (la dur\u00e9e d\u00e9pend de l'\u00c9tat), la possibilit\u00e9 pour un plongeur bless\u00e9 d'introduire une demande d'indemnisation s'\u00e9teint et la couverture subsidiaire n'est plus n\u00e9cessaire.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-32&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-32-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-32\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Le Groupe DAN World Insurance SP propose-t-il le renouvellement automatique de ses polices d'assurance responsabilit\u00e9 civile ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-32\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-32-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Le renouvellement automatique n'est pas disponible actuellement pour les polices d'assurance professionnelle (individuelle et collective).  Chaque police doit \u00eatre renouvel\u00e9e manuellement chaque ann\u00e9e. Vous recevrez un avis de renouvellement avant la date de renouvellement.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-premiums-payment\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Primes \/ Paiement<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-33&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-33-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-33\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">La prime doit-elle \u00eatre pay\u00e9e en une seule fois, ou puis-je la payer de mani\u00e8re \u00e9chelonn\u00e9e ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-33\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-33-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Toutes les polices exigent le paiement int\u00e9gral au moment de l'adh\u00e9sion. Toutes les primes sont enti\u00e8rement acquises et il n'y a pas de remboursement.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-support\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Soutien<\/span><\/strong><\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-34&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-34-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-34\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Quels programmes, produits ou services de r\u00e9duction des risques proposez-vous ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-34\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-34-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Divers programmes d'att\u00e9nuation des risques sont disponibles, notamment les suivants :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Brochures and other materials on diving safety, available in print and digital<\/li>\n\n\n\n<li>Hazard Identification and Risk Assessment (HIRA) \u2013 3 levels (2 are self-assessments)<\/li>\n\n\n\n<li>Prepared Diver Course (e-learning program which reminds divers of the causes of diving\u00a0accidents)<\/li>\n\n\n\n<li>Complementary student insurance (to offset the cost of an injury to your student)<\/li>\n\n\n\n<li>DIDS Boards (to count divers on the boat)<\/li>\n\n\n\n<li>Oxygen and first aid kits, and training, to respond to injuries<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-35&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-35-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-35\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Mon organisme de formation sera-t-il inform\u00e9 que j'ai souscrit une police d'assurance responsabilit\u00e9 civile ?<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-35\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-35-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Oui, tous les organismes de formation d\u00e9sign\u00e9s seront inform\u00e9s de votre souscription \u00e0 une assurance responsabilit\u00e9 civile ; aucune action n'est requise de votre part.  Toutefois, les assur\u00e9s suppl\u00e9mentaires ne seront inform\u00e9s qu'\u00e0 votre demande.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-36&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-36-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-36\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Comment puis-je acc\u00e9der \u00e0 mon attestation de couverture ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-36\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-36-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>D\u00e8s le paiement de votre prime, vos documents de responsabilit\u00e9 civile seront envoy\u00e9s \u00e0 l'adresse \u00e9lectronique figurant sur votre demande. Vous recevrez une page de d\u00e9claration d\u00e9crivant la couverture que vous avez souscrite. Si vous avez inscrit des assur\u00e9s suppl\u00e9mentaires, ils recevront un certificat d'assurance distinct. Une fois votre police entr\u00e9e en vigueur, vous pouvez \u00e9galement vous connecter \u00e0 votre compte sur DAN.org\/Liability pour imprimer votre page de d\u00e9claration et votre carte d'assurance \u00e0 tout moment.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-37&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-37-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-37\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Comment d\u00e9poser une demande d'indemnisation ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-37\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-37-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Complete an incident report to gather the relevant information. Once this is done, call 1-800-446-2671 (+1-919-684-2948) and speak with one of the customer service representative for the DAN liability program, or email the report to liabilityclaims@dan.org. If the incident involves a fatality or serious bodily injury, please contact DAN immediately at 1-800-684-9111 so that we can take steps to protect your interests.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-38&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-38-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-38\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">\u00c0 qui dois-je m'adresser si j'ai des questions ?&nbsp;<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-38\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-38-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Pour toute question, contactez un membre de notre \u00e9quipe charg\u00e9e de l'assurance responsabilit\u00e9 civile par t\u00e9l\u00e9phone au +1(919) 684-2948 ou par courrier \u00e9lectronique \u00e0 l'adresse suivante&nbsp;<a href=\"mailto:Liabilitylnsurance@DAN.org\">Liabilitylnsurance@DAN.org<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:73px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-dan-light-gray-color has-css-opacity has-dan-light-gray-background-color has-background\"\/>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-dan-black-color has-text-color has-medium-font-size\"><strong>Service client\u00e8le en mati\u00e8re de responsabilit\u00e9<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">L'\u00e9quipe de l'assurance responsabilit\u00e9 civile de DAN World Insurance Products SP est pr\u00eate \u00e0 vous aider \u00e0 prot\u00e9ger votre entreprise. &nbsp;<\/p>\n\n\n\n<p class=\"has-small-font-size\">Du lundi au vendredi de 08 h 30 \u00e0 17 h HE<br>+1-919-684-2948<\/p>\n\n\n\n<p class=\"has-small-font-size\">FAX : +1 (919) 490-2935<\/p>\n\n\n\n<p class=\"has-small-font-size\">EMAIL :&nbsp;<a href=\"mailto:liabilityinsurance@dan.org\">LiabilityInsurance@dan.org<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Incidents et r\u00e9clamations&nbsp;<\/span><\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">Rassemblez toutes les informations pertinentes et envoyez-les \u00e0 DAN World Insurance Products SP. Si l'incident implique un d\u00e9c\u00e8s ou une blessure corporelle grave, contactez-nous imm\u00e9diatement.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Du lundi au vendredi de 08 h 30 \u00e0 17 h HE<\/p>\n\n\n\n<p class=\"has-small-font-size\">+1-919-684-2948<\/p>\n\n\n\n<p class=\"has-small-font-size\">EMAIL :&nbsp;<a href=\"mailto:liabilityclaims@dan.org\">LiabilityClaims@dan.org<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Ressources sur l'assurance responsabilit\u00e9 civile<\/span><\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">FAQ sur l'assurance responsabilit\u00e9 civile<\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/world.dan.org\/wp-content\/uploads\/2022\/06\/2022-DAN-World-Insurance-Group-SP-Incident-Aftermath-6.23.22.pdf\">Que faire apr\u00e8s un incident ?<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/world.dan.org\/wp-content\/uploads\/2023\/04\/Pro-Liability-2022-DAN-WORLD-incident-report-REV0922.pdf\">Formulaire de rapport d'incident<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size\"><strong><span style=\"color: #111111;\" class=\"stk-highlight\">Autre couverture<\/span><\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/world.dan.org\/fr\/professional-liability-insurance\/\">Assurance responsabilit\u00e9 professionnelle (PL)<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/world.dan.org\/fr\/group-professional-liability-insurance\/\">Assurance collective de responsabilit\u00e9 professionnelle (GPL)<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/world.dan.org\/fr\/liability-insurance\/\">Assurance responsabilit\u00e9 civile habitation<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-dan-light-gray-color has-css-opacity has-dan-light-gray-background-color has-background\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"198\" height=\"84.7\" src=\"https:\/\/world.dan.org\/wp-content\/uploads\/2022\/05\/DAN-World-Insurance-Group-SP.svg\" alt=\"\" class=\"wp-image-21936\" style=\"width:150px;height:65px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<p class=\"has-text-align-left has-small-font-size\">Sous r\u00e9serve des termes, conditions et limitations de la police PL110 (22 juin 2023), GPL110 (22 juin 2023) de DAN World Insurance Group SP. La couverture n'est pas disponible dans tous les pays. <\/p>\n\n\n\n<p class=\"has-small-font-size\">DAN World Insurance Group SP est une filiale \u00e0 100 % de Divers Alert Network, dont les bureaux se trouvent \u00e0 l'adresse suivante : c\/o Artex Risk Group, 3rd Floor, Willow House, Cricket Square, 171 Elgin Ave, P O Box 10233, Grand Cayman KY1-1002 Cayman Islands.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Professional Liability Insurance (Individual and Group) DAN World Insurance Group SP is here to help with your liability insurance needs. Contact DAN World IGSP at +1 (919) 684-2948 Monday-Friday, 8:30am [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":21944,"parent":0,"menu_order":21,"comment_status":"closed","ping_status":"closed","template":"templates\/page-landing-2.php","meta":{"_acf_changed":false,"_ef_editorial_meta_date_first-draft-date":"","_ef_editorial_meta_paragraph_assignment":"","_ef_editorial_meta_checkbox_needs-photo":"","_ef_editorial_meta_number_word-count":"","footnotes":""},"class_list":["post-21921","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>DAN World Liability Insurance FAQs - DAN World<\/title>\n<meta name=\"description\" content=\"DAN World Insurance Group SP is here to help with your liability insurance needs. Contact DAN World IGSP at +1 (919) 684-2948 Monday-Friday, 8:30am to 5:00pm ET\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/world.dan.org\/fr\/dan-world-insurance-group-sp-faqs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DAN World Liability Insurance FAQs\" \/>\n<meta property=\"og:description\" content=\"DAN World Insurance Group SP is here to help with your liability insurance needs. 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