The Warranties are expectations placed upon you as a diving professional and an insured. Also it should explain any restrictions or limitations on additional insureds. Exclusions Read the exclusions, this describes those situations not covered under your professional liability policy. No policy covers everything. Every policy, even your homeowners and auto insurance policy, contains exclusions in coverage.
Any insurance policy is written to cover only very specific situations.
Those situations that are not intended for coverage under the policy are specifically listed in the exclusions section. Typical exclusions should not address any of your professional liability exposures. Many of the warranties in scuba professional liability policies address standards or expectations within the scope of supervision of, orientation to and instruction in scuba diving activities. NAUI sponsored insurance policy wording was carefully written using the latter example to avoid just such a situation and to give the insured broader coverage. The warranties are professional expectations and as a warranty, you agree to abide by them.