Police divers require sufficient insurance, and companies that specialize in this can save them time during their work, thereby making them more efficient. Wherever they operate, divers need to be covered for the kinds of environmental dangers and equipment failures that could leave them wounded, affecting the mission as well.
News source Muskokaregion.com recently profiled the divers of the Ontario Provincial Police Underwater Search and Recovery Unit, examining the hazards they face as well as the different ways they can adapt to environments in Canada. Some missions call for the divers to work through ice, and their field of operation includes rivers and the Great Lakes.
As the article describes, the police dive teams can either use a scuba air supply on their backs or surface supply, which is useful for negotiating tricky, submerged structures. This occupation can also take divers to large lakes in isolated areas, where the amount of time it takes to set up and search can slow down the procedure.
Depending on the individual diver's role, certain certifications may also be necessary. The Diver Certification Board of Canada lists these different specialized documents on its website, including Surface-Supplied Mixed-Gas Diver, Unrestricted Surface-Supplied Diver and Scuba certifications. All of these can apply to police work as well as other industries, such as engineering and emergency services.
Insurance providers that understand police diving standards will be easier to work with, and will already have all of the specific knowledge that other more general insurance companies don't. Police divers are just one subset of the workers that will benefit from diverse, tailored coverage.