Packing for Your Next Contract

It's no secret that those who work on cruise ships can be away for long periods of time. Contracts can last anywhere from a few months to almost a year. Being on a ship for that amount of time can be difficult to pack for. How are you to know what items you will need a month from now?  Here are some tips you should use to make packing for your next contract simpler and more efficient, after getting proper insurance of course!


  contract 


  MHG cruise employees Infographic

Packing for Your Next Contract

travel insuranceReady, SET, go! Did you know that your health insurance may not cover you while you’re traveling abroad? Although we hate to think about becoming sick or injured, sometimes it is unavoidable, no matter how much you precaution you take. Whether it’s a car accident, food poisoning, or a stroke, the lack of international health insurance coverage could expose you to serious financial liability. 


The Basics

Take the worry out of international travel with the SET plan! SET is an annual travel insurance plan available exclusively to U.S. Superyacht Association (USSA) members which offers affordable international health insurance coverage to employer groups. This plan is perfect for any companies whose employees take frequent trips outside their home country and are looking for an easy way to provide health insurance protection while traveling. One of the great benefits of the plan is that it saves you time whenever you are required to travel by not having to purchase travel insurance before each trip. All you have to do is estimate the number of days that you will be abroad for the year, and make one purchase! Another great benefits is that it gives you a peace of mind knowing that your employees will be fully covered when they are traveling internationally. This is important because many do not realize that their domestic health insurance plan does not follow them when they leave the country, which means many people are traveling uncovered!

How it Works

One of the great things about this plan is how simple it is to get signed up. Here’s how the plan works. First, fill out the Request for Proposal with some basic information. Then, select your coverage level. There are two coverage options to choose from, Essential and Elite.

Essential benefits:

  • Service and support provided by MHG Insurance Brokers
  • Purchase trips days in advance and subtract as you go
  • $500,000 plan limit
  • Global medical protection
  • Emergency medical evacuation
  • Hospital stays
  • $0 deductible
  • No coinsurance outside of the US
  • Acute onset of a preexisting condition for US citizens
  • Simple enrollment and administration
Elite benefits: ALL of the benefits of the Essential plan plus:

  • Upgrade to $1,000,000 plan limit
  • $100,000 Accidental death and dismemberment
  • Adventure sports coverage
Next, enter some basic details and then you purchase a block of days. Unused days will be rolled over to the following year. Coverage can be as little as $1.50 a day! Last, pack your bags, bring your passport, and go on your trip worry free! I know you must be thinking that there is more paperwork, or that you must wait a certain amount of time, but once you are finished you are good to go!

This is All Made Possible by…

A lot of people have worked really hard to bring this great travel insurance solution to you. The U.S. Superyacht Association partnered with Point Comfort Underwriters and MHG Insurance Brokers to develop this customized product that is only available exclusively for USSA members. USSA values its members, and wanted to make sure that people and organizations are offered the benefits that they deserve. Don’t fly naked, make sure you are covered by the SET plan! Go to http://www.ussuperyacht.com/ for a quote now! Safe travels!

Are You Flying Naked? Cover Up with the USSA SET Plan

Sandra3FORT LAUDERDALE, FLORIDA (September 22, 2015) – MHG Insurance Brokers announced today that Sandra Rollins has joined the company’s Business Insurance Division as Broker. The division specializes in insurance solutions for businesses that struggle to obtain insurance. Rollins’ primary focus will be quoting Workers’ Comp, Marine General Liability, General Liability and Commercial Auto, in addition to providing support to clients.


“Sandra is a great addition to the team.” said Mady Acosta, Business Division Manager at MHG Insurance Brokers. “Not only does she have a strong sales and operational background as both a producer and as an agency manager but she also understands the business insurance needs and requirements of the community. Her experience and skills will strengthen our division.” 

Rollins joins MHG Insurance Brokers with over 10 years of business insurance experience. Throughout her insurance career she has held various jobs including operations manager, underwriter and producer. Most recently, Rollins managed the Personal Lines Department at a large, independent agency in Lighthouse Point where she was responsible for managing a $1.5 million personal lines and marine book of business in addition to servicing all VIP and high profile accounts. "I'm excited to work with MHG as they have a reputation for being an innovative company and are always looking for ways to serve their clients.” said Sandra Rollins. “I’m looking forward to a long future with them.” MHG continues to be at the forefront of developing insurance solutions and products to meet the changing needs of businesses around the world. Most recently, the Insurance Specialists at MHG identified a potential liability risk for cruise line operators and designed a new liability plan to fill the gap in coverage.

About MHG Insurance Brokers 

Since 1991, MHG Insurance Brokers has been committed to providing expert insurance advice and innovative solutions for the marine, aviation, energy and related industries. Today, with over two decades of experience and relationships with some of the world’s top insurance markets, MHG has established an enviable reputation for providing quality advice, products and service for groups, businesses and individuals around the world. Based in Fort Lauderdale, Florida MHG has Insurance Specialists worldwide, with offices in Houston, Isle of Man, the Cote d’Azur and Hamburg. For more information, please visit https://mhginsurance.com/

MHG Insurance Brokers Welcomes New Broker

travel insuranceFORT LAUDERDALE, FLORIDA (September 15, 2015) – The US Superyacht Association (USSA), a non-profit trade association promoting the superyacht industry of the United States, is proud to have partnered with MHG Insurance Brokers and Point Comfort Underwriters to provide its members with an exciting new membership benefit designed to protect themselves, and their employees, while traveling outside of their home country.    


“We found that many of our member’s conventional health insurance plans simply did not cover their foreign travel and/or evacuation in the event of an emergency,” said John Mann, U.S. Superyacht Association Chairman. “This program allows our members to simply “SET it” and forget it and we are thrilled to partner with MHG and Point Comfort Underwriters to provide this customized travel insurance plan.” 

The SET (Superyacht Executive Travel) Plan is different from other standard travel insurance plans in that it is sold in blocks of days where the company decides when to use them. Any unused days are simply rolled over to the following year at the existing premium – so there is no risk. To make it even more valuable - this coverage is available for USSA members for as little as only $1.50 per day of travel! 

The plan has two coverage levels designed to fit everyone’s need and budget: Essential and Elite.  The Essential plan benefits include up to $500,000 in medical expenses, global medical protection outside home country, emergency medical evacuation, $0 deductible and no coinsurance.  The Elite plan includes all of the benefits of the Essential plan with an upgraded limit to $1MIL in coverage, plus accidental death and dismemberment as well as adventure sports coverage.

“Many USSA members travel outside their home country frequently and it’s important to have the right insurance coverage in place in case something happens, whether at work or on holiday,” said Clayton Swart, MHG Business Development Manager. “We have seen many cases where people have gotten stuck with huge medical bills—because they thought they had the right plan in place.  The SET plan is so affordable and easy to administrate—that it is the perfect addition for peace of mind for your family or employees’ security.” Don’t fly naked, make sure you are covered by the SET plan! Go to www.mhginsurance.com/ussa for a quote TODAY!

About the U.S. Superyacht Association 

The U.S. Superyacht Association (USSA) is a non-profit trade association incorporated in 2006, whose mission is to promote and support the U.S. superyacht industry and its members worldwide through advocacy, marketing and education. The USSA is comprised of more than 300 member companies representing 24 U.S. states and 17 foreign countries.  For more information, visit our website at ussuperyacht.com or call 800-208-5801.

About MHG Insurance Brokers

Since 1991, MHG Insurance Brokers has been committed to providing expert insurance advice and innovative solutions for the marine, aviation, energy and related industries. Today, with more than two decades of experience and relationships with some of the world’s top insurance markets, MHG has established an enviable reputation for providing quality advice, products and service for groups, businesses and individuals around the world. Based in Fort Lauderdale, Florida, MHG has insurance specialists worldwide, with offices in Houston, Isle of Man, the Cote d’Azur and Hamburg. For more information, please visit mhginsurance.com 

About Point Comfort Underwriters 

Point Comfort Underwriters provides expert underwriting, claims administration, and assistance services for large international groups traveling and living abroad. They deliver world-class customer service from its headquarters located in the international insurance center of Indianapolis, Indiana. Staffed with a dedicated team of medical, technical and insurance professionals, Point Comfort Underwriters provides care to its customers around the world 24/7/365. They also understand that you may prefer the convenience of self-service. That’s why they empower all SET customers with their own personal travel insurance portal, my.pointcomfort.com, where most routine service needs can be handled. And, it’s where you can purchase coverage for new trips, and add Top-Up days to your current trip with just a click. For more information visit pointcomfort.com .

USSA Announces New Travel Insurance Plan Exclusively For Members

london 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.  Manx actors and musicians will bring to life the legacy of the Vikings; introduce the ringleaders of the Mutiny on the Bounty; remember the courage of Captain John Quilliam who was First Lieutenant on HMS Victory and set the scene for the inspiration of Sir William Hilary, who founded the RNLI

The music and drama will be showcased in the historic surroundings of Trinity House, the remarkable 18th Century headquarters of the Corporation of Trinity House, which has maintained British lighthouses since the 16th Century. Guests will be met by Isle of Man’s own sea cadets and guided up the grand, sweeping staircase to a reception on the first floor. All the rooms will be open to guests including the Pepys Room, the library and the reading room. 

Isle of Man Maritime Group Chairman, Bruce McGregor said: “LISW is the ideal opportunity for us to promote the wealth of maritime services and experience delivered on the Isle of Man. This event will celebrate our rich seafaring tradition and how we have evolved into a modern, technically astute global centre of excellence.” 

Guests at the reception will be able to meet representatives from the Isle of Man Maritime Group including the IOM Ship Registry; IOM Shipping Association; IOM Superyacht Forum KPMG; Bernhard Schulte Shipmanagement (Isle of Man); Döhle (IOM) Group of Companies; PDMS Maritime; Simcocks Advocates; MHG Insurance Brokers; Affinity Management Services and InterManager. To register for the event please visit the group’s website at www.iom-maritime.com or contact the group at enquiries@iom-maritime.com If you would like speak to someone from the group in more detail please contact Bruce McGregor on +44 (0) 1624 664000.

LISW 

LISW will be the ‘must attend’ event of 2015, offering over 100 industry functions and unique networking opportunities for leaders across all sectors of the international shipping industry – regulators, charterers, ship owners, ship managers, bunker suppliers, lawyers, ship brokers, bankers, insurers, insurance brokers, commodity traders and brokers, ship suppliers, port operators, shipping service providers and many more. The UK is the leading centre worldwide for the supply of a broad range of professional and business services to the international maritime community, accounting for 21per cent of premiums in international marine insurance, over $64bn in committed ship finance (or 15per cent of the world loan book) and it has the largest concentration of legal service firms specialising in the sector.  London is also the predominant supplier of shipbroking services worldwide and is the major player when it comes to maritime dispute resolution. London is also home to the second biggest port in the UK. For more information, please visit www.londoninternationalshippingweek.com

The Isle of Man is "Nautical by Nature"

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.

international flight

MHG Travel Infographic

Tips to Survive Your Next International Flight

adviceAs insurance brokers we are here to help! Part of that assistance is our expert advice that we provide. So we thought it would be a great idea to ask our employees, “What is one piece of advice you would give your clients?” 


Mark Bononi- Director, Luxury Yacht Division 

Generally speaking, you get what you pay for. Typically, health insurance that has a lower cost will not have the same amount of coverage as one that costs more. If you are looking for health insurance that fits you best but you have a budget, seek advice from someone who knows what they’re talking about, and is experienced on the matter.

Edward “Mole” Telfer- Director, Cruise Division 

Providing a solid employee benefits package can be the key to attracting and retaining the industry’s best employees. Use a “Rolling Benefits Strategy” to build up your benefits over time.

Janine Jeffries- Director, Business Insurance Division

Give your agent a complete picture of the business and description of operations. Each business has unique attributes. The more your broker knows, or has a better understanding, the better we can do our job. Also, be sure to ask questions. You would be surprised how many needs are uncovered during a Q&A session with your broker.

Stephen Beck- Manager, Life & Health Division

I would advise our clients to not WORRY about “What if?” but to ASK about the cost of insuring themselves against each “What if?” that concerns them. Just ask, “How can I protect myself in the event of a ________________?” We have the answer.

Joanna Drysdale- Manager, Underwriting Services 

In our field, insurance isn’t just about protecting yourself against financial loss or covering your contractual obligations. It’s also about showing your employees that they’re valuable to you. Hanging on to a great bunch of crew season after season is worth so much more than the savings you make by skimping on crew benefits.

JW Haagensen- Account Executive, Inside Sales 

Disclose all current and past medical conditions when applying for insurance. Insurance enrollment forms are a contract and if you fail to reveal a portion of your medical history or provide incomplete information, the insurance company could cancel your policy. No matter how minor it may seem, it’s important to advise your entire medical history and keep a file.

Steve Jackson- Consultant, Yacht Division

Find an insurance broker who really knows their field. Having an understanding of the real life of a captain and his crew as well as the technical knowledge of the insurance industry is invaluable.

Clayton Swart- Manager, Business Development 

Whether you’re purchasing group insurance for your employees, insurance for your business or an individual plan for you and your family, it’s important to understand your policy. I know that insurance documents can be boring, but it’s really important that you read through them to make sure you understand the benefits and limitations of the plan. If you find anything confusing, it’s better to address those points before you need to use the plan.

MHG is here to help and provide assistance with all of your insurance needs. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

If You Could Give One Piece of Advice to Your Clients, What Would It Be?

Jeff Martin Fort Lauderdale (May 11, 2015) – MHG Insurance Brokers announced today that Jeff Martin has joined the company as a Programmer. Martin will focus his efforts on streamlining certain administrative tasks in the company’s Customer Relationship Management system in addition to building customized client web portals and landing pages. Martin has had an award winning career, spanning over 20 years. Prior to MHG, Martin worked for multiple insurance carriers in addition to consulting work.


“Jeff has a wealth of experience in numerous programming languages and applications” said Kevin Knorr, IT Director at MHG Insurance Brokers. “As MHG continues to grow along with our IT needs, it’s good to have his capabilities in-house.”

MHG Insurance Brokers has had the pleasure of providing insurance advice and solutions to thousands of clients around the world. As MHG approaches its 25th year, the company continues to evolve and grow with the changing and diverse needs of clients, both on land and at sea.

About MHG Insurance Brokers 

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S. MHG provides group and individual employee benefits along with advice on federal regulations regarding Health Care Reform and the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

MHG Insurance Brokers Hires Jeff Martin as a Programmer

MHG and VIKAND Part Ways

MHG Insurance BrokersFORT LAUDERDALE, FLORIDA (April 10, 2015) – MHG Services, Inc. today announced that it has sold its holdings in VIKAND to Peter Hult, President of VIKAND, effective March 31st, 2015. Hult has simultaneously given up all responsibilities within the MHG Group of companies, including his position as Executive Vice President at MHG Services, Inc. and as a Director of MHG Associates Ltd. MHG founding partners, Andrew Dudzinski, Chairman and CEO, and John Haagensen, President, continue to lead MHG together with a key management team while Dr. Bill Heymann, Medical Director of VIKAND, and Hult have become the majority shareholders of VIKAND.  

 

“The decision to separate the companies was a difficult one to make” said MHG Chairman and CEO, Andrew Dudzinski. “MHG and VIKAND are both rapidly growing and in order for both companies to continue to expand, we found it necessary to spin-off VIKAND from MHG’s insurance business. We are very pleased to have played a key role as founders in the creation and development of VIKAND and wish Peter and his team great success.”

“I am very excited to embark on this path and for VIKAND to continue to develop new medical services” said VIKAND President, Peter Hult. “At the same time, I am leaving with some sadness after having worked closely with Andrew, John and MHG since 2002. We will continue to have a close relationship with MHG and support each other’s operations, common clients and business partners.” 

MHG has been providing insurance advice and solutions to the marine and aviation industries, international and local business groups and individuals since 1991 and has offices in Fort Lauderdale, Houston, Isle of Man, Hamburg and the Cote d’Azur. 

About MHG Insurance Brokers 

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S. MHG provides group and individual employee benefits along with advice on federal regulations regarding Health Care Reform and the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com.

About VIKAND 

VIKAND is the leading provider of medical management and consulting services to the cruise industry and today provides consulting, management, medical equipment calibration and audit contracts to almost 60 cruise ships globally. VIKAND’s services range from full management of medical facilities to individual consulting and services modules, including formulary and bio-medical equipment management, Pre-Employment Medical Examination advice and support, marine employee wellness programs, Public Heath support and regulatory guidance. VIKAND’s team has extensive experience in the medical field, as well as the marine industry. VIKAND offers flexible medical services tailored to the clients’ unique requirements, managed by a world-class, medical team who offer a 24/7 on-call service to clients. For more information about VIKAND and the services they provide, please visit vikand.com.

MHG and VIKAND Part Ways

Kriss Lane Isle of Man (March 24, 2015) – MHG Ocean Benefits Ltd, which trades as MHG Insurance Brokers, announced today that Kriss Lane has joined the company as Operations Assistant. In this newly created position, Lane will provide operational support to the Operations Director in addition to providing assistance to the Underwriting and Claims Teams as needed. Lane has over 12 years of experience in the financial services sector in Douglas, having worked for various institutions on the island, including Lloyds Bank in their Fraud Detection Unit.

 

“As our client base continues to grow, Kriss is a welcome addition to the team” said Cathy Lane, MHG’s European Operations Director. “His experience and knowledge will help us to continue serving our customers in the expedient manner they have come to expect of us.”

MHG’s Isle of Man office has been open for six years and primarily provides insurance solutions to international residents and those who work at sea.

About MHG Insurance Brokers 

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S. MHG provides group and individual employee benefits along with advice on federal regulations regarding Health Care Reform and the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com  

Kriss Lane Joins MHG Insurance Brokers as Operations Assistant