In Reply to: be careful posted by bali smiles on Saturday, 16. May 2009 at 09:04 Bali Time:
to choose from. some better than others by a mile.
two that i recommend are Leo's or Apollo. they both have full insurance, and they use it if need be. others are not covered by any sort of insurance, and if they are, they prefer you to use your own travel insurance, which is completely wrong.
there are many accidents at the water sports, but if you use common sense and dont take unnessary risks, you should be ok.