In last month's issue, we ran a story about the actual
results of many high-SPF sunscreens, and how many of
them just use high numbers as a gimmick. We listed the
results of Consumer Reports' survey of sunscreens, and
then listed the ones they ranked as best buys.
But how well do those sunscreens protect the reefs,
  asks subscriber Lisa Evans (Fort Collins, CO). "I was
  dismayed to see there was no information about the
  damage done to coral from many commercial sunscreen
  products. I've researched this, and while I still use conventional
  sunscreen for land-based activities, I make it a
  point to buy reef-safe sunscreen for my dive trips. Right
  now I have Goddess Garden 30 SPF ( http://goddessgarden.com ). I encourage you to help readers become
  aware of the potential damage their sunscreen is causing
  to coral reefs."
You're right, Lisa. While it's counter-intuitive to
  think that 15 divers from a liveaboard, each putting
  on two tablespoons of sunscreen before diving over
  an area several acres across and 75 feet deep, will be
  wearing enough of any chemicals to affect the reefs
  below, washed-off sunscreen can damage corals. The
  U.S. National Park Service reiterates what Evans says:
  Chemicals in sunscreen can lead to bleaching, dying
  coral. A 2008 study in the journal Environmental Health
  Perspectives found that up to 6,000 tons of sunscreen
  enters reef areas annually and it does not spread out rapidly or evenly over the entire ocean, but concentrates
  on popular tourist sites. It's estimated that 90 percent of
  snorkeling and diving tourists are concentrated on 10
  percent of the world's reefs, meaning our favorite dive
  spots are exposed to the majority of sunscreens.
So with the corals in mind, "reef safe" biodegradable
  sunscreen is better than the conventional choices.
  Look for a brand that uses physical sunblocks such as
  titanium dioxide and zinc oxide instead of chemical
  ones. And read the label. A product advertising itself
  as "reef safe" doesn't necessarily mean what it says.
  Look at ingredient lists to make sure reef-damaging
  substances (such as oxybenzone, butylparaben, octinoxate
  and 4-methylbenzylidine camphor, all of which have
  been shown to cause coral bleaching even at low levels)
  aren't included. Apply sunscreen at least 10 to 15 minutes
  before going in the water so that the lotion absorbs
  into your skin. PADI lists its recommended reef-safe
  sunscreens at www.padi.com/blog/2013/06/27/coral-reef-safe-sunscreen-for-scuba-diving
Ironically, the environmentally-friendly sunscreens
  on Consumer Reports' survey got the lowest marks for
  sun protection. The only one that got decent marks was
  California Baby SPF 30, scoring 50 out of 100. So divers
  have a dilemma: Protect against melanoma and harm
  the reefs, or save them at the expense of your own hide.
  Better yet, just stay out of the sun.