MHG Insurance Brokers Blog

3 Common Marine General Liability Claims

claimsNo matter what type of business you have, every business has unique needs when it comes to liability protection. Especially if your business is conducted near or on the water, such as marinas and shipyards. Marine general liability coverage is necessary for businesses of this nature, however there are some businesses who aren’t aware of the difference between that and general liability. One difference is that if you don’t have marine general liability, your claim has the potential to be denied if it occurred on or near the water.

Claims happen more than anyone would like them to, and are usually unexpected and unprepared for. The following are three common marine general liability claims. Continue reading

The Isle of Man is “Nautical by Nature”

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The Isle of Man Maritime Group is hosting an evening reception during London International Shipping Week 2015 at historic Trinity House.

LISW is one of the highlights of the maritime calendar with more than 100 industry events taking place in London from September 7-11. It is aimed at the movers and shakers from the international shipping and superyacht community.

As official sponsors of LISW 2015, the Isle of Man Maritime Group’s “Nautical by Nature” event on September 8 will lead guests on a journey through the Island’s rich seafaring heritage to its current position of maritime centre of excellence.  Continue reading

Tips to Survive Your Next International Flight

Long flights tend to get a bad rep. Use these 10 tips to help you survive your next international flight, but don’t leave without getting travel insurance! Contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to find the best plan for you, your family, or group.

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MHG Travel Infographic

Discover the Sights and Sounds of Rome

romeYou know what they say, “When in Rome…” Instead of picturing what the Romans do, how about you go experience it first-hand! After all, whether you are of Italian heritage or not, it seems everyone has a connection to Italy and its culture. Is it me or does every family seem to have their own “secret” family recipe for spaghetti sauce? Who wouldn’t want to go to see where real spaghetti sauce is made, or see places that you learned about in your history classes? Rome is one of the most historical locations on earth, and is the birthplace to many cultures and traditions that we still use today. Many of the prominent historical figures you learned about in school all have a connection to Rome or the Roman Empire, from Julius Caesar, to Spartacus, even Augustus. Italy is also responsible for Michelangelo, Leonardo, Donatello, and Raphael (the artists, not the ninja turtles). Many of the sites you’ll see are sure to make an impression that you won’t be able to recapture at any other place in the world. Let’s not forget about the food! Some of the tastiest dishes you will ever have, from the creamy gelato, to authentic Italian pizza, and pastas you won’t find anywhere else. Your mouth will be watering from the moment you step off the plane! Continue reading

How to Apply for a U.S. Passport?

passportAre you tired of having to turn down vacation invitations from friends and family because you don’t have a passport? It’s time to get a valid passport so that you can live your life to the fullest. The world is a big place, and not being able to leave your home country because you don’t have proper documentation should no longer be keeping you from seeing and visiting every location you have dreamed of.

Having a passport is becoming a necessity more and more. For one, you used to be able to go on a cruise without a passport as long as you had valid identification, but that is no longer enough in today’s world. So follow these steps to help get you on your way to getting a valid United States passport, and get you one step closer to seeing the world! Continue reading

Opening a New Business in the U.S? Find Out Which Types of Insurance You Need!

Business Brainstorming GroupMany people around the world have dreams about moving to the United States of America and opening up a business, also known as the “American Dream.” Opening up a new business can be a daunting, yet fulfilling task. Even more so when you are opening up that business in a new country. The United States requires businesses to have certain insurance coverage by law. However, there are other insurances you should consider just to protect yourself as a business owner. Continue reading

Need to Dispute a Health Insurance Claim? Use These Tips!

claimHave you ever found yourself in a situation where your health insurance isn’t covering certain medical bills that you thought would be covered? Bills such as doctor visits to a provider that was at one point in your network, and without letting you know have been removed from the network is one example. Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and try to ensure that you will receive the coverage that you were paying for. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Continue reading

10 Safety Tips for Travelers

women travelersDon’t be afraid to travel alone. Traveling can be one of life’s greatest, must fulfilling experiences. However, there are some precautions to consider, and preparation you can do to ensure a safe and successful trip. Continue reading

Are 1099 Employees a Potential Liability for your Business?

contractorsDo you own a business or run a company? If the answer is yes, you are more than likely liable for something, whether it is your employees, customers, product, etc. Depending on your business, you may need coverage for things that other businesses don’t. Having proper business insurance could be the difference between a good business and a closed business. Do you have enough coverage for your company and employees?

It is no secret that insurance coverage can be tricky, especially when you thought you had coverage for things that you actually don’t. Lately, we have been hearing about an issue when it comes to coverage regarding business insurance. Some businesses are finding out the hard way when it comes to certain employees not having the coverage they needed. Continue reading

Yacht Crew Case Study: Regular Screenings and Physicals Can Be Life Saving

case studyHave you ever heard the saying, “You can learn the easy way, or the hard way!” Many say the best way to learn is through experiencing something that will have an impact on you, whether you personally experienced it, or someone close to you did. The important part is that whatever the impact was, it will motivate you to make the right decision. It could have been something bad that made you never want to go through that again, or something good that made you want to have the same result.

The following is a case study of two different scenarios of clients who are experiencing the same issue. Both scenarios are handled in different ways, resulting in different outcomes.  Continue reading

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