MHG Insurance Brokers Blog

Group Yacht Crew Insurance Plan Options

Group Yacht Crew Insurance Plan OptionsAs a yacht captain, you have the weighty responsibility of choosing a group yacht crew insurance plan for your crew. You have taken your duty seriously, carefully comparing policies and benefits to ensure your crew has comprehensive coverage in all the countries you will be visiting; but have you thought about the subject of routine medical coverage? There is a common perception that routine medical coverage is an unnecessary additional cost; however it’s our experience that including routine medical coverage on your group plan helps to attract and retain crew as well as keep crew members healthy and happy. If you are unfamiliar with the provisions of routine medical coverage, you may be wondering whether your crewmembers truly need this benefit; perusing these 4 reasons to add routine medical coverage to your group yacht crew insurance plan options will help you make the best decision for your crew.  Continue reading “Group Yacht Crew Insurance Plan Options” »

5 Tips for Coping with Jetlag

5 Tips for Coping with JetlagThe Monaco Yacht Show opens later this month, giving yachting professionals and enthusiasts from around the world the chance to connect as they experience the best the yachting world has to offer. Whether you are a yacht captain, crewmember, or one of the many builders, designers, brokers, buyers, and other marine professionals who make MYS the world’s most prestigious yacht show, you need to be in top shape to keep up with the non-stop whirlwind of activity. If you are reaching Monaco by plane and suffer from jetlag, however, the yachting world’s most exciting four days can turn into a nightmare of disrupted sleep, nausea, and daytime fatigue. Try these 5 tips for coping with jetlag – they will help you combat the effects of your flight so you can keep up with even the most demanding Monaco Yacht Show schedule! Continue reading “5 Tips for Coping with Jetlag” »

Cruise Line Travel Insurance Coverage for Visiting Family and Friends

Cruise Line Travel Insurance Coverage for Visiting Family and FriendsWorking as an officer or crew member onboard a cruise ship has afforded you the opportunity to travel, meet people from around the world and experience other cultures. Now your family and friends are coming to visit so they can share those amazing experiences with you, leaving you with the question, “Where can I find cruise line travel insurance coverage for visiting family and friends?” Turn to MHG Insurance Brokers, the same company you rely on for your marine crew insurance needs! MHG is a full-service insurance brokerage, with travel insurance plans that will ensure your guests are fully covered in case an accident or illness occurs. Continue reading “Cruise Line Travel Insurance Coverage for Visiting Family and Friends” »

5 Reasons You Need Cruise Trip Cancellation Insurance

5 Reasons You Need Cruise Trip Cancellation InsuranceYou have been looking forward to your cruise for months, waiting with eager anticipation to set off on your dream vacation. Cruises can be expensive, but the opportunity to enjoy the all-inclusive comfort of a cruise ship while visiting multiple exotic destinations is well worth the price. Cruises have extremely strict cancellation policies, however – if an unforeseen complication arises and you have to cancel your trip, you could lose all the money you invested in the cruise. Trip cancellation insurance can protect you in this situation, allowing you to recover your non-refundable, unused payments and deposits so you can reschedule your cruise and enjoy your dream vacation at another time. While you may be unable to imagine anything that would make you cancel your long-awaited trip, there are actually many reasons why a cancellation may be necessary. Continue reading “5 Reasons You Need Cruise Trip Cancellation Insurance” »

Why Business Owners Should Consider an Employment Practices Liability Insurance Policy

Why Business Owners Should Consider an Employment Practices Liability Insurance PolicyIn today’s increasingly litigious society, business owners operate under the constant threat of lawsuits from employees, on a variety of issues. The proliferation of federal, state, and local employment laws has created a plethora of exposures that can leave your business vulnerable to costly litigation. Businesses of all sizes are at risk: whether you are the head of a large corporation or the owner of a small neighborhood company, once you hire your first employee, you expose your company to the possibility of a lawsuit. Continue reading “Why Business Owners Should Consider an Employment Practices Liability Insurance Policy” »

Common Yacht Crew Insurance Claims

Common Yacht Crew Insurance ClaimsWhether it’s the Deckhand that sustained serious head trauma from a motorcycle accident while ashore on boat’s business or the Captain that experienced a severe heart attack while on vacation, MHG has seen a wide array of yacht crew insurance claims over the past 20 plus years. While these examples are tragic and catastrophic, it is also important to be prepared for the more common yacht crew insurance claims that can be less serious but have the potential to keep you off work. Continue reading “Common Yacht Crew Insurance Claims” »

Life Insurance Myths

Life Insurance MythsTo help you make an informed decision, we present 6 common life insurance myths – along with the factual information that debunks these misconceptions. Continue reading “Life Insurance Myths” »

Common Misconceptions About Disability Income Insurance

Common Misconceptions About Disability Income InsuranceHow would you pay your bills and support your family if you suffered a serious illness or injury and could not work? Disability insurance, also known as income protection insurance or sick pay, safeguards families by providing wage earners with a sizeable portion of their income if they are unable to work because of injury or illness. Unfortunately, misunderstandings about disability income insurance and the need for the benefits it provides have caused some workers to forego this protection, leaving them and their families in a dangerously vulnerable position. To help ensure that your family has the financial protection they deserve, here are the most common misconceptions about disability income insurance, along with the real facts about this valuable protection. Continue reading “Common Misconceptions About Disability Income Insurance” »

5 Signs You Need Life Insurance

5 Signs You Need Life InsuranceThe need for life insurance is something to think about, especially during joyous life events. The thought of leaving our loved ones is a painful one, but with careful planning, we can at least help ensure that our family will have the physical comforts and financial security they deserve.   As we go through life, it can be tempting to focus on the joys of the events that change our lives in various stages.  This can result in  neglecting the long-term planning needs these changes may bring. How can you tell if your changing life stage signals a need to obtain or update your life insurance coverage? Look for these 5 signs you need life insurance: Continue reading “5 Signs You Need Life Insurance” »

MHG Provides Complete Insurance Solutions for Individuals, Families, and Businesses

Complete Insurance Solutions for Individuals, Families, and BusinessesMHG Insurance Brokers are known for being Marine Crew Insurance experts, specializing in insurance plans designed to meet the requirements of marine employers, captains, crew, contractors and concessionaires. But did you know MHG also provides insurance solutions for individuals, families, and businesses in the US? At MHG, we have the experience, expertise, and access to multiple insurance carriers to offer sound, independent advice as to which insurance providers and products are best suited to address the needs of individuals, business owners and employers. Continue reading “MHG Provides Complete Insurance Solutions for Individuals, Families, and Businesses” »

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