MHG Insurance Brokers Blog

Top Do’s and Don’ts for Traveling with Kids

travel kidsJust picture it. Looking out the window of a plane, on your way to see some of the most breathtaking sites from 20,000 feet up. You then glance at your significant other to see if they are as excited as you to finally get away from the rat race, and begin planning what you guys will do next. Then, one of you finally remember that this isn’t exactly a honeymoon, the kids are tagging along!

Family vacations create some of our most cherished memories. Ones that we will one day try to create with our own children. From driving across the border, to flying across an ocean, traveling the world is one of life’s most exhilarating activities. Maybe even more so when traveling with children. Follow these do’s and don’ts when traveling with kids in order to make the trip as smooth and stress-free as possible.  Continue reading

10 Tips on Creating a Safe Work Environment

safeIn many cases, workers’ compensation is a large expense for a business, even before a claim is filed. Sometimes injuries are unavoidable, especially if your business requires physical labor from your employees. But when an injury happens that could have easily been avoided causing your premiums to increase because of a claim, it can cripple your business. This is why it is crucial for a business to have great safety protocols, and create a safe work environment. Continue reading

Explaining the United States Longshore and Harbor Workers’ Compensation Act

maritime workersNobody wants to think about getting injured on the job, especially if that injury will keep you from being able to work. However, if you work in the maritime industry, there is a good chance that you may not have to worry about what will happen if you do experience an injury. Thanks to the United States Longshore and Harbor Workers’ Compensation Act (LHWCA also known as USL&H), those who work in the maritime industry and fall into certain categories, will have coverage backed by the federal government, not just the state. Having a peace of mind when it comes to coverage can help rid your life of the question, “What’s going to happen to me if I’m injured at work?” Continue reading

Going on Holiday to the U.S? The Reasons You Need Travel Insurance

United StatesLand of the free, home of the vacation? Visiting the United States is a great way to spend a vacation. The country has so much to offer, from amusement parks like Disney World, to big cities like New York City and Los Angeles, breathtaking natural sites such as the Grand Canyon, even tropical beaches in South Florida! There is something to do, no matter what type of vacation you are looking to go on. That may be the reason why the U.S. is the second most visited country in the world behind only France. With so many people traveling to the U.S, people are bound to have accidents, get sick, etc. So if a trip to the United States is in your future, here are 5 reasons to make sure you have sufficient health insurance coverage during your travels. Continue reading

Explaining Workers’ Compensation Insurance for Staffing Firms

workers' compIt’s no secret that in today’s world, it is becoming increasingly more difficult for people to find a job. With jobs being lost to technology, going overseas, companies downsizing, and a great population of qualified candidates, people are turning to any resolution they can find. Thus, making staffing firms more and more popular, especially with more and more companies looking for temporary workers. Continue reading

What Is the Purpose of a Flag State?

flag stateEver wonder why a yacht or ship had a certain flag on the back of it? Or a certain city and country under the name of the ship? No, it’s not just a flag of their favorite country, or where they are headed next. Believe it or not, those flags and countries have a significant purpose in the maritime industry. A flag state, or flag of convenience, is the state that a yacht or ship is registered or licensed under. Meaning that they have to follow the laws of that state. Continue reading

Why Should I Take Generic Drugs?

generic drugsHealthcare costs seem to be increasing year after year, with no stop in sight. From increased insurance premiums, cost of hospital and doctor visits, and medication, there are many people who pay an arm and a leg for their healthcare. This can make it tough to become financially stable. With doctor visits and hospital visits being a few times a year for some, the increased cost of these visits may not have the same impact on your budget as your health insurance or any prescriptions you may have. Thanks to the Affordable Care Act, many that need assistance paying for their insurance are now receiving some aid, but what about the aid for drugs? Continue reading

How to File a Travel Insurance Claim

travel insurance claimPicture it. Sun, beach, a fruity drink in hand and a cool breeze blowing your hair. You and your partner are having the best summer vacation ever, just relaxing on an exotic island in the Caribbean, a million miles away from the daily grind and stresses of life. And BOOM! Just like that you fall and twist your ankle and have to seek medical attention. Good thing you bought travel insurance! But now what? Continue reading

The Dangers of Being Docked at a Shipyard

dangerousWorking onboard a yacht can be an exciting and fulfilling experience. Yet, being at sea for extended periods of time can present some dangers, from big waves, storms, mechanical issues, etc. But what many don’t realize, that there can be just as many dangers for yacht crew while docked at a shipyard. Yes, you may essentially be on “land” but all that does is raise new opportunities for accidents and tragedies. So if you are scheduled to be docked at a shipyard, be aware of the following mishaps, which can help prevent an injury, or worse. Continue reading

Why Women Need Life Insurance Now More Than Ever

women life insuranceGender equality is becoming more and more at the forefront of our minds. One difference in equality that I haven’t heard, which may not be on the top of the priority list to most although it should be, is the lacking of women with life insurance. More and more women are beginning to be equal contributors to the household, or in some cases even earning more than their spouses. If you fall in this category, I hope you have been proactive and already purchased a good life insurance policy. If not, keep reading and I’ll change your mind. Continue reading

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