Performing as a guest entertainer on a cruise ship offers an exciting blend of adventure and opportunity. You can travel the world aboard a beautiful vessel, impress audiences from diverse backgrounds, and expand your network, and hopefully, your loyal fanbase! With plenty of downtime to enjoy trips ashore and ship amenities, this lifestyle can feel like a dream job.

Before signing your next contract, there is one crucial detail to address: your Health insurance coverage! In this blog, we’ll break down the types of coverage cruise lines typically require, explain what’s included, show how it works with real-world examples, outline plan options and costs, walk you through how to purchase coverage, and share key tips to ensure a smooth and successful insurance experience.

What Do Cruise Lines Require?

Always refer to your agreement with your employer; however, most cruise lines generally require you to have international medical coverage that will protect you from accidents and illnesses throughout your contract. Common requirements include:

·         A plan limit of at least $1,000,000

·         Coverage for emergency medical evacuation, repatriation, and Covid-19

What Type of Plan Do You Need?

Since you'll be working and traveling internationally, you'll need a Travel Medical insurance plan. But not just any plan will do. It’s crucial to choose one that covers work-related activities, especially those related to performing.

Many standard Travel Medical plans exclude job-related injuries, which means if something happens on stage or during rehearsal, you might be stuck with the bill. And in many cases, your domestic Health insurance may be difficult to use abroad.

We know insurance can be confusing in general. As a performer, your situation is even more unique. It’s important to have a plan specifically designed for your needs so you’re protected when it matters most. Fortunately, the MHG team has worked with tens of thousands of cruise ship guest entertainers, and we are happy to help you find the right plan to fit your contract.

What Does Travel Medical Insurance Cover?

Travel Medical insurance is designed for individuals temporarily traveling outside their home country. It typically covers new accidents and illnesses. You can seek treatment from the ship's doctor or, when in port, at a doctor's office, urgent care center, clinic, or hospital. Keep in mind that Travel Medical insurance is for accidents and illnesses only, it does not cover routine checkups or wellness care.

This type of insurance serves as your safety net if something unexpected happens while you are outside your home country. Let's review a few real-life examples to illustrate how the coverage works in practical scenarios:

Real-Life Examples

1. Stage slip leads to stitches: Mid-performance, you slip and sustain a deep cut on your forehead. The ship’s doctor cleans and stitches the wound. Because you chose a $0 deductible, you submit the doctor's report, invoice, and receipt for full reimbursement.

2. Food poisoning from dubious shellfish: You resist your instincts and indulge in mussels during a shore trip. Later, you suffer from a severe case of food poisoning. You visit the ship’s doctor, receive antibiotics, and follow rehydration instructions. You’re grateful for the treatment, but since your treatment cost less than your $1,000 deductible, you bear the expense with no reimbursement.

3. Jellyfish sting on an excursion: While enjoying some well-earned free time, you go on a scuba diving trip, where a jellyfish sting requires you to visit an onshore urgent care. After treatment and picking up a prescription, your total medical bill comes to $150. You submit your claim. Because you chose a $100 deductible, you pay the first $100, and your insurance reimburses you the remaining $50.

Bottom line, while a $1,000,000 plan limit is typically required, it's worth considering a $0 deductible. That way, if you do get sick or injured, your coverage starts right away without having to pay anything out of pocket first. And in many cases, the cost difference between a $0 deductible and a higher one is minimal.

Single Trip vs Annual Plan: Which One Is Right For You?

Single Trip Travel Medical plans typically offer coverage from 5 days up to 12 months. This is usually a good fit for guest entertainers that have a few contracts a year.

If you're booking multiple gigs throughout the year, an Annual Travel Medical plan might be a better choice. These plans provide coverage in 30, 60, or 90-day blocks per trip. You can take as many trips as you like during the year, as long as each one stays within your selected day limit. Coverage isn’t just limited to when you’re working but can be used for vacations abroad as well.

 

How Much Do Travel Medical Plans Cost?

Travel Medical insurance is often more affordable than you might think. For example, at the time of this post, a Single Trip plan for a 30-year-old American traveling in the Caribbean for 30 days, with a $1,000,000 coverage limit and a $0 deductible, costs just over $60, plus taxes and fees. An Annual plan covering multiple trips up to 30 days each, with the same coverage and a $250 deductible, was priced at $282 for the year, plus taxes and fees.

The best choice really depends on how often you’ll be traveling abroad. If you don’t plan on booking many contracts during the year, purchasing a Single Trip plan each time may be your better choice. But, if you plan to spend a lot of time during the year performing at sea, an Annual plan could save you time and money.

 

How Do I Purchase Coverage?

Getting covered is quick and simple. Just enter a few basic details, like your destination, age, citizenship, and country of residence. Then, choose your plan limit and deductible. That’s it, enter your details and you’re ready to go! Booking last-minute? No problem. Next-day coverage is available, so you can secure your plan even if you're short on time. Click here to get started on your quote now!

For guest entertainers starting short-term contracts on cruise ships, having the right Health insurance is a contractual requirement and an essential safety net. At MHG Insurance , we make getting the coverage you need easy so you can focus on what you do best: delivering outstanding performances.

Contact us today if you have questions about the coverage or want to sign up. Before you set sail, ensure your insurance plan meets all essential criteria and covers the inherent risks of your job. A little preparation can go a long way toward ensuring your time onboard is safe, successful, and stress-free.

Marine Employer's Liability vs USL&H: What's the Difference?

If you are a marine employer operating globally, understanding your insurance coverage is critical. Unfortunately, there is a lot of confusion around two important policies: Marine Employer's Liability (MEL) and United States Longshore and Harbor Workers' Compensation Act (USL&H) coverage. Many companies assume they are protected by one when they actually need the other, or both. This misunderstanding can leave your business dangerously exposed.

Let's break it down clearly so you can confidently protect your team and your operations.

What Is Marine Employer's Liability (MEL)?

Marine Employer's Liability insurance is designed to protect employers when their crew members suffer injury, illness, or death outside the scope of traditional workers' compensation or Protection and Indemnity (P&I) coverage.

MEL often comes into play when workers are employed on vessels but are not covered under maritime laws like the Jones Act. It typically covers legal defense costs, settlements, and damages for which the employer may be held liable.

According to the International Risk Management Institute (IRMI), MEL is intended for "employers who do not have U.S. citizen seamen covered under the Jones Act" (IRMI, 2024). This is especially important for businesses employing foreign crew, working internationally, or operating on a variety of different vessel types.

What Is USL&H Coverage?

USL&H insurance refers to the United States Longshore and Harbor Workers' Compensation Act. This federally mandated coverage protects land-based maritime workers like longshoremen, harbor workers, shipbuilders, and ship repairers. These employees are not considered seamen and are not eligible for Jones Act protections, but they perform critical duties related to vessels.

The U.S. Department of Labor describes USL&H as providing "medical care, compensation for lost wages, and rehabilitation services" for employees who are injured while working on navigable waters or in adjoining areas like docks and shipyards (U.S. Department of Labor, 2024).

If your employees ever step foot onto a pier, dry dock, or wharf for work, you could be required to carry USL&H coverage, even if you mainly think of them as vessel workers.

Key Differences Between Marine Employer's Liability and USL&H

While both policies protect employers against liabilities related to employee injuries, they apply to very different circumstances:

• Marine Employer's Liability covers crew working on a vessel, typically offshore or at sea.
• USL&H covers land-based maritime workers or employees working near vessels but not considered "crew."

Confusing the two can lead to serious gaps in coverage. For example, an employee injured while prepping a vessel in dry dock could trigger a USL&H claim. If you only have MEL coverage, you might be left with the bill.

According to the American Equity Underwriters, "the absence of USL&H coverage when needed

can result in substantial financial penalties and exposure for employers" (American Equity Underwriters, 2023).

Why the Confusion Happens

Many marine employers think that if they have a general marine insurance policy, it covers everything related to the ocean, the ship, and the employees. However, that is not the case.

Insurance policies are written to be very specific about who is covered, where they are covered, and under what circumstances. MEL and USL&H were created because maritime work environments are so unique and risky that standard workers' compensation policies just do not fit.

A Global Challenge for Marine Employers

This confusion is not limited to U.S. companies. Marine employers around the world face similar challenges. In Europe, for example, maritime laws and insurance standards vary greatly by country. The European Maritime Safety Agency emphasizes that "national regulations differ considerably," making it essential for marine employers to understand not only their local laws but international insurance obligations as well (European Maritime Safety Agency, 2022).

If you are hiring globally, operating vessels internationally, or even just docking in different ports, you must ensure your insurance program meets the right standards everywhere you go.

How MHG Insurance Can Help

For more than 30 years, MHG Insurance has been helping marine employers navigate the complex world of marine insurance. We understand the challenges you face because we live and breathe marine insurance every day. Our team specializes in finding the right coverage that fits your operation, wherever it takes you.

Marine insurance is not just a product. It is a critical piece of your business continuity plan. And when it comes to protecting your employees and your company, there is no room for guesswork.

Do not leave your coverage to chance. Let MHG help you review your current policies, identify any gaps, and build a comprehensive insurance program that gives you peace of mind.

Final Thoughts

The difference between Marine Employer's Liability and USL&H insurance might seem small, but it is crucial. Having the right coverage means protecting your employees, staying compliant with legal requirements, and safeguarding your business from potentially devastating financial losses.

Contact MHG Insurance today for a free consultation and ensure your marine insurance coverage is shipshape: https://mhginsurance.com

Sources (with URLs)

• IRMI (2024). "Marine Employers Liability (MEL) Insurance." https://www.irmi.com
• U.S. Department of Labor (2024). "Longshore and Harbor Workers' Compensation Act." https://www.dol.gov/agencies/owcp/dlhwc/lsfaqs
• American Equity Underwriters (2023). "Understanding the Basics of USL&H Insurance." https://blog.amequity.com/understanding-the-basics-of-uslh-insurance
• European Maritime Safety Agency (2022). "Maritime Legislation in the EU." https://www.emsa.europa.eu/legal-framework.html

Starting a career in yachting? Before heading abroad in search of work, make sure you’re prepared, not just with your CV and training, but also with a plan for what happens if you get sick or injured. Below are some essential resources and key things to consider before you go.

Essential Yachting Resources

These organisations offer valuable advice, support, and guidance for aspiring yacht crew:

• ISWAN Personal Safety Resource: Job-Seeking Yacht Crew Safety Guide
• ISWAN Yacht Crew Help: Support for Yacht Crew
• Yachtie Minds Matter: Support for Yacht Crew
• Nautilus International: Union Support for Yacht Crew
• PYA (Professional Yachting Association): Career Guidance for Yacht Crew
• Safer Waves: Confidential Support for Seafarers
• Superyacht Career Maps: Career Paths in the Superyacht Industry

Considering Dock-Walking? Read This First!

Many new crew members start their yachting careers by dock-walking, hoping to land their first job. But before you go abroad, ask yourself:

• How will you pay for medical treatment if you fall ill or get injured?
• What happens if you're too sick or injured to continue looking for work or need to return home?

Understanding Medical Cover While Job-Seeking Abroad

For Non-Americans:

• Reciprocal Health Agreements:

If you’re job-hunting abroad, your home country may have a reciprocal health agreement with your destination, providing emergency medical treatment at little or no cost. However, this rarely includes non-urgent or ongoing medical care and does not cover medical repatriation. If you require an air ambulance or a medically assisted flight home, costs can reach tens of thousands, leaving you stranded without the right cover. British and European travellers should consider obtaining a GHIC (for Brits) or an EHIC (for non-Brits). It’s important to note that many UK travel insurance policies require a GHIC as a condition of cover.

For Americans:

• Your US Domestic Health Insurance:

Some US health insurance plans offer limited international coverage, so it’s important to check with your insurer before you travel. However, most policies do not include medical repatriation, which can be extremely costly. Even if your plan covers medical care abroad, it is unlikely to provide international claims support, such as direct billing or multilingual assistance. This means you may need to pay for treatment upfront and seek reimbursement later.

Travel Insurance Considerations

Travel insurance policies which are often sold in the UK domestic market (including those included with credit cards or bank accounts) feature the following limitations which could be problematic for you:

• Emergency Treatment Only: Travel insurance covers emergencies but won’t pay for ongoing treatment or anything that can wait until you return home.
• Repatriation Over Treatment: Most travel insurers will prefer to repatriate you rather than fund extended medical care abroad. If that happens, your job search is over.
• Common Travel Insurance Limitations:
  • Single-trip limits: Multi-trip policies often have trip limits of 30, 45, or 60 days—too short for most job-seeking crew.
  • Purchase restrictions: Many UK policies must be bought before leaving the UK—if your policy expires, you may struggle to buy a new one.
  • Extension rules: Some policies allow extensions, but only if arranged before your current cover ends.
  • International vs. domestic policies: Travel medical plans from international insurers don’t usually require pre-departure purchase but often lack cover for lost belongings, cancellations, or delays.

Full-Time Major Medical Cover

A full-time international major medical plan provides more comprehensive cover than travel insurance, allowing you to continue job-seeking even if you need medical treatment. These policies:

• Are annually renewable
• Have no single-trip limits
• Cover non-emergency treatment

They cost more than travel insurance but offer long-term protection while working abroad.

Think Ahead!

Further on down the road, there will come a time when your yachting career will end. It might not be at the time of your choosing; a serious injury or illness could make that choice for you. Think NOW about that time! Your future self will thank you. It’s not a popular choice amongst yacht crew, but it’s wise to maintain social system contributions in your home country for the eventuality that you don’t have an employer’s insurance to protect you or the budget for private medical insurance (which increases in cost very steeply as you get older).

Need Insurance Advice?

Not sure what cover you need? We’re happy to help! Contact us for guidance on the best insurance options while job-seeking abroad.

The maritime industry is full of adventure, but it's also full of risks. Whether you're repairing ships, operating a marina, or managing cargo logistics, you're working in an environment where the unexpected can (and does) happen. That's why Marine General Liability (MGL) insurance isn't just a good idea; it's an absolute necessity.

At MHG Insurance , we have been helping businesses navigate marine insurance for over 30 years. Our expertise ensures that maritime professionals have the right coverage for their unique needs so they can focus on running their operations with confidence.

What is Marine General Liability?

Marine General Liability insurance is designed to protect businesses that operate in or near water. It provides coverage for bodily injuries, property damage, and pollution liability-risks that standard Commercial General Liability policies often exclude. In short, MGL is built specifically for the marine world, covering the risks that come with shipyards, docks, vessels, and everything in between.

One of the most critical aspects of MGL is its care, custody, and control coverage. This means that if you're a ship repairer, stevedore, or marina operator or any other conventional marine trade, working on someone else's vessel or cargo, you're covered if an accident happens while it's in your possession. Without this specialized protection, your business could be left high and dry in the face of costly claims.

Who Needs This Insurance?

If your business operates in a marine setting, MGL isn't optional; it's essential. Ship repairers performing alterations or maintenance on vessels need MGL to cover damages while the ship is under their care. Marina operators rely on it to help protect against claims by vessel owners docked or moored at their location.

Stevedores and terminal operators, responsible for loading and unloading cargo, also face unique risks that require specialized coverage. Boat builders and marine construction contractors also need MGL to ensure they're protected against property damage or injuries that could occur on-site.

Without the right coverage, a single claim could result in major financial losses, whether it's from a minor accident or a catastrophic incident. MGL acts as a safeguard, ensuring that maritime businesses stay afloat even in turbulent waters.

Marine General Liability vs. Commercial General Liability

One of the biggest misconceptions business owners have is assuming that a standard Commercial General Liability policy will protect them in a marine environment. However, CGL policies are designed for land-based businesses and typically exclude claims arising from property in their care, custody, and control and any liability arising from the ownership/operation of watercraft.

Marine General Liability is tailored specifically to maritime operations, covering risks that traditional CGL policies won't touch. For example, if you're installing navigation equipment on a yacht or welding on a cruise ship, a CGL policy wouldn't cover damage to the vessel. MGL, on the other hand, is designed for these exact situations.

Simply put, if your business operates on land, CGL is what you need. If you work in the marine industry, MGL is the only way to ensure you're properly protected.

What Does MGL Cover?

MGL covers a wide range of incidents that can occur in maritime settings. If a customer slips and falls at your marina, MGL helps to cover legal fees and medical expenses. If you're repairing a yacht and accidentally damage the hull, MGL ensures you're not left paying out of pocket.

It also provides limited coverage for pollution liability, which is particularly important in the marine industry. If an accident results in an oil spill or hazardous material leak, cleanup costs and environmental damages can be astronomical. MGL helps mitigate those financial risks so that your business isn't sunk by a single mistake.

Another key coverage area is contractual liability. Many shipyards, ports, and vendors require businesses to carry specific insurance before they can begin operations. MGL helps you meet those requirements while also offering protection in case of disputes or unforeseen damages.

What Marine General Liability Doesn't Cover

While MGL provides broad coverage, it's not a catch-all solution. It does not include any liability arising from injury to employees or independent subcontractors. A Worker's Compensation policy is needed to cover this exposure. It also doesn't cover Hull & Machinery insurance, meaning you'll need additional coverage for physical damage if you own and operate vessels.

Professional liability, also known as Errors & Omissions (E&O) insurance, isn't included in MGL either. If you provide consulting, design, or engineering services, you'll need E&O insurance to protect against claims related to negligence or faulty recommendations.

Understanding these exclusions is crucial for ensuring your business isn't left exposed. Pairing MGL with the right complementary policies helps to create a secure safety net.

How Much Does a Policy Cost?

The cost of an MGL policy will vary based on several factors. The nature of your operations plays a significant role; ship repairers, for example, face different risks than marina operators. The primary rating factor under a standard MGL policy is your business's estimated revenues, which should include both sales generated from manual labor and sales generated from the sale of parts and materials. The size and scope of your business and your claims history can also impact pricing.

Coverage limits and deductibles can affect costs as well. Higher limits provide more protection but may come at a higher premium. Companies that implement strong risk mitigation measures, such as safety training and environmental protections, may be able to lower their costs by demonstrating lower exposure to claims.

While the price of an MGL policy depends on multiple variables, one thing remains constant: the cost of not having coverage can be far greater. Without MGL, a single accident or liability claim could lead to financial devastation.

Why You Shouldn't Operate Without MGL

Marine businesses operate in one of the most challenging environments in the world. Water, weather, and human error all create an unpredictable mix of risks. Without the right insurance, a routine job can turn into a financial disaster overnight.

Marine General Liability ensures that businesses are protected from the unique risks of the maritime industry. It covers accidents, injuries, property damage, and environmental incidents that could otherwise jeopardize operations.

For over 30 years, MHG Insurance has been a trusted expert in marine insurance , providing tailored solutions for businesses in the industry. Whether you need Marine General Liability, Marine Employer’s Liability , a Bumbershoot policy , or USL&H coverage, our team will assess your risks and help you secure the right protection to keep your business covered while meeting insurance requirements. Contact us today to learn more about coverage options and to get a quote!

         
Ship and yacht repairers play a crucial role in keeping the marine industry running smoothly. Their expertise and hard work ensure vessels remain in top condition. Given the risks they face daily, it is crucial for them to have the appropriate insurance protection. Conor Hayes, Sales Director at MHG Insurance and a specialist in marine liability coverage, joins us for a Q&A session dedicated entirely to the unique insurance needs of ship and yacht repairers.

With over 20 years of experience, Conor has held senior brokerage roles in London, the Cayman Islands, and South Florida. Conor helps businesses navigate complex insurance challenges with confidence, ensuring they have the right coverage to protect their operations and assets.

Let’s get started!

Q: With your extensive industry experience, how have liability insurance requirements for repairers evolved over the years?

Matching the changes in the industry, the risks assumed by repairers have become more extensive and more complex.

Q: How have liability risks for ship and yacht repairers changed over the past decade?

As marine technology has evolved, the work itself, of many classes of ship repairers , has become more sophisticated, more complex, thereby increasing the need for qualified crew and a heightened need for training.

Increasing complexity often leads to increased probability of error. More stringent contractual requirements imposed upon repairers in their agreements with vessel owners and managers have shifted risk of loss to repairers.

With this in mind, it’s important to keep close contact with your insurance provider, who can also guide you in understanding what your policy covers, and what is not covered.

Q: What emerging risks should repairers be aware of in today’s marine industry?

Again, it is the increasing complexity and sometimes conflicting demands of the ship owners that create almost an impasse for the companies that are being hired to repair the vessels. For example, many cruise lines tend to issue a rather generic list of insurance requirements that are not always applicable to the operations of the vendor that is applying to do the work. We often see requests to carry domestic Workers Compensation and Commercial Auto Liability, which does not make much sense when the repairer is undertaking a project in foreign territories such as Singapore and Australia.

What key industry trends are shaping marine insurance, and how might they impact repairers?

For the first time in many years, there are signs that underwriters are starting to become somewhat more forgiving in terms of rating. Whether this is a trend that will play out over time remains to be seen. The global pandemic of 2020 did a number on the ship repair industry, particularly anything related to the cruise lines, but this niche sector has begun to show signs of recovery.

I consider it part of my job to stay on top of emerging trends like this so that my clients don’t miss anything.

What common gaps do you see in repairers’ insurance coverage, and how can they avoid them?

When coverage falls short, it is usually due to one or more liabilities assumed under contract by a repairer not being properly addressed in the policies maintained by the repairer.

When working across different global regions, what should repairers look for in their insurance policies to ensure compliance?

The marine industry operates on a global scale, and while many aspects of ship repair, such as propulsion systems and electronic equipment, remain consistent across regions, insurance requirements can vary. One crucial factor to consider is policy territory. If a loss happens anywhere in the world, the policy must have coverage in that location. Ensuring worldwide coverage helps repairers stay protected no matter where their work takes them.

Beyond standard liability coverage, what additional insurance policies do you recommend for ship and yacht repairers?

It really depends on the nature and scope of operations. Most ship or yacht repairers require the basics: Marine General Liability that is endorsed with coverage for Ship Repairers Legal Liability (SRLL) and Maritime Workers Compensation (USL&H) if they have employees working on or adjacent the navigable waters of the U.S.

That said, there are other situations that come into play and are highly individual. For example, what if the shipyard or marina require higher limits of liability? That is when a Bumbershoot Liability policy comes into play.

Do they own vehicles? If so, Commercial Auto Liability is a necessity.

Are there any employees working aboard vessels in navigation? The insurance solution for this is Marine Employers Liability.

There are a multitude of different factors and contingencies to consider, which is why it is imperative to consult with a proven marine insurance specialist.

Are there specific endorsements or policy enhancements that repairers should consider for added protection?

The requirements of repairers vary from one entity to the next. It is not necessarily a case of your insurance broker having a ready-made list of “standard endorsements,” as it is the person you rely on who has a consistent, organized approach to their work. For example, for coverage to be in place under a Marine General Liability policy, the central form in a repairer’s portfolio, any claims must arise from the negligence of the insured, its subcontractors, or its employees.

Today, it is not uncommon for the laborer performing the work of the repairer not to be subcontractors or employees in the traditional sense. It is a problem that can be addressed, often easily. Still, the repairer’s insurance representative must have the expertise to address it. 

What are the biggest factors that impact the cost of liability insurance for repairers?

Simply put, it is the class of work and the insured’s loss record. The more hazardous a risk is assumed to be, the higher the rate. The cleaner the loss record, the lower the rate tends to be.

What proactive steps can repairers take to minimize their liability exposure and strengthen their risk management strategies?

Review all written contracts closely and continuously train employees in best practices.

In your opinion, what sets MHG Insurance apart from other marine insurance brokers?

This one is straightforward: proven expertise.

MHG has been a market leader in the marine insurance industry for well over three decades. We are not ‘generalist insurance experts’ and nor do we ever wish to be perceived as such. We continue to capitalize on the mistakes of other brokers who masquerade as marine insurance specialists but are actually not. All it takes is a quick review of the policies put in place to determine whether the competitor knows what they are doing.

Navigating the complexities of liability insurance for ship and yacht repairers requires expertise and the right coverage. Whether you're reviewing your current policies or seeking guidance on emerging risks, working with a specialist can make all the difference.

For expert advice and tailored marine insurance solutions, visit MHG Insurance or call us today. Let’s ensure your business stays protected.

When your child embarks on a career as a yacht crew member, they step into an exciting and demanding industry. While the adventure of working at sea is appealing, the unique risks involved make proper health insurance essential. Many parents have concerns about coverage, costs, and how to ensure their child is protected. Below, we've asked Mark Bononi, MHG's COO and Director of our Yacht Division, to address some of the most common questions that we at MHG Insurance receive from parents about yacht crew insurance.

Q: Will our home health insurance cover anything while my son is working overseas?

A: Most traditional health insurance plans do not cover medical expenses incurred while working overseas, especially in international waters. Even if your plan offers some level of international travel coverage, it probably won't extend to workplace injuries or emergency evacuations—both of which are crucial considerations for yacht crew members. A specialized yacht crew insurance policy ensures that your child has access to the care they need, no matter where they are in the world.

Q: What happens if my daughter needs to be airlifted off the boat?

A: Emergency medical evacuations are often one of the biggest concerns for yacht crew and their families. If your daughter becomes seriously ill or injured while at sea, an airlift may be the only option to be transported to a hospital capable of providing adequate care. Without insurance, these airlifts can cost tens of thousands of dollars. A well-structured yacht crew insurance policy can cover medical evacuations, helping ensure she can receive the necessary treatment without financial strain.

Q: Why do we need different insurance for Europe and the U.S.?

A: Healthcare systems and insurance requirements vary widely between regions and countries. Some European countries have nationalized healthcare, while the U.S. has a private system. If your child is working on yachts that travel between different regions, a global insurance policy is critical to ensure they are covered everywhere they go. Yacht crew insurance is specifically designed to provide seamless international coverage, eliminating the risk of gaps in care.

Q: If my child is exploring a country during her time off, is she still covered by the yacht's health insurance?

A: This depends on the specific policy the yacht provides. Some employer-sponsored plans only cover crew members while they are actively on duty, meaning any injuries sustained during personal time—such as exploring a new city or engaging in water sports—may not be covered. An individual yacht crew insurance plan ensures that your child remains protected at all times, whether they are on the clock or enjoying their time off.

Q: Does health insurance cover my son in between his assignments? What other options do we have?

A: Many yacht crew members work on short-term contracts, which can lead to coverage gaps between jobs. If your son relies solely on employer-provided insurance, he may find himself without coverage when switching vessels or during time off. To avoid these lapses, I recommend a continuous individual policy that stays with him regardless of his employment status. This provides peace of mind and ensures he always has access to medical care.

Q: How much does insurance cost?

A: Unfortunately, there's no simple answer here. It depends on many factors, including the chosen insurance plan, the deductible or excess that is selected and of course the age and gender of the crewmember.

Q: What should I look for in his health insurance package?

A: Not all yacht crew insurance policies are created equal. At a minimum, your child's coverage should include:

1. Global Medical Coverage: Ensures access to healthcare providers worldwide.

2. Emergency Evacuation: Includes air transport to the nearest appropriate medical facility.

3. Repatriation Services: If a serious condition requires returning home, the costs may be covered.

4. Coverage Beyond Work Hours: For protection during personal time and between assignments.

5. Additional Benefits: Dental care, mental health support, and personal liability coverage can be valuable additions.

Q: What do you suggest as the necessities for him to enter the workforce as a yacht crew member?

A: Before entering the yachting industry, your child needs key qualifications. The STCW certification is mandatory safety training for all yacht crew, and the ENG1 medical certificate confirms they're fit to work at sea. Proper insurance coverage is also essential from day one, ensuring they're protected even between jobs.

Beyond certifications, understanding industry expectations is crucial. Yachting demands professionalism, strong work ethic, and adaptability. Since many crew members are paid in different currencies without traditional benefits, financial planning is also important. With the right preparation, your child can confidently start their career at sea.

As your child enters the workforce, having the right insurance isn't just about compliance—it's about safeguarding their health and financial well-being. Working with a provider that specializes in yacht crew insurance, like MHG Insurance, ensures they receive comprehensive protection tailored to the realities of life at sea.

For more details on the best coverage options for your child, visit mhginsurance.com/Insurance/Yacht-Industry or contact me here!

For those working on yachts, the beauty of the job often comes paired with unique challenges—long stretches away from loved ones, high-pressure roles, and the isolation that can come with being surrounded by water. Yet, for every challenge, there’s a counterbalance; in the yachting community, that counterbalance is connection. Developing a strong support system both onboard and off can be transformative for your mental health and the quality of your experience in this dynamic lifestyle.

At MHG Insurance, we understand the complexities of life at sea, which is why we’re committed to supporting the mental well-being of yacht crew. One of the most effective tools at your disposal? The relationships you cultivate along the way.

Connection as a Lifeline

The close quarters of a yacht often mean you’re surrounded by people 24/7. While this can sometimes test your patience, it’s also an opportunity to build meaningful relationships with those who truly understand your lifestyle. Your crew becomes your family away from home, and fostering these connections can be critical to mental health, something many crew members struggle with during jobs.

If you’re a yachtie struggling with mental health, we’ve compiled a list of some helpful resources. Check it out here !

Sharing experiences with peers who understand the highs and lows of yachting creates a unique sense of camaraderie. Whether it’s venting about a tough day or celebrating milestones together, these moments forge bonds that can weather the turbulence of the job. Loneliness is a common struggle for many in the maritime world, but actively engaging with your peers—whether through shared meals, workout sessions, or off-duty adventures—can help combat those feelings.

Off the yacht, maintaining connections with family, friends, and fellow yachties can be equally vital. Technology makes it easier than ever to stay in touch, but there are also dedicated resources tailored for the yachting community. Yacht Crew Help , provided by ISWAN, is an excellent resource offering emotional support and practical advice. Sometimes, just knowing there’s someone who truly understands can make all the difference.

Friendship as Therapy

While seeking professional help is always encouraged for those facing mental health struggles, don’t underestimate the power of friendship as a form of therapy. Having someone to share the journey with—your roommate onboard or a confidant you connect with while docked—can help alleviate stress and foster resilience.

This is something that our friend Captain Kelly Gordon, the driving force behind Yachtie Minds Matter , understands deeply. She has dedicated her platform to normalizing conversations about mental health within the yachting industry, encouraging yacht crew to check in with themselves and each other. Her work demonstrates that when we feel supported, we’re better equipped to handle life’s challenges, both personal and professional.

Beyond peer connections, professional networks designed specifically for yacht crews are invaluable. Yacht Crew Help and Yachtie Minds Matter provide resources tailored to the unique needs of life at sea. These organizations are designed to help crew members navigate the nuances of their lifestyle, offering everything from confidential support lines to specialized workshops.

Navigating Stormy Seas with a Safety Net

Building a robust support system is about more than just socializing—it’s about creating a safety net for when times get tough. Yachting has its share of stressors : demanding schedules, the pressure to maintain high standards, and the physical toll of constant movement. Knowing you have people who’ve got your back can be a powerful antidote.

For crew members who feel their struggles extend beyond the support of friends and family, telemedicine options can provide professional mental health care no matter where the yacht is docked. Many of these services are equipped to handle the unique challenges of yachting, from irregular schedules to fluctuating internet connectivity. By combining peer support with professional care when needed, crew members can build a multi-layered approach to mental wellness.

Sustaining Connection Beyond the Yacht

The yachting lifestyle is inherently transient. Crew rotate on and off yachts, friendships evolve, and life moves at a rapid pace. Staying connected to the people and communities you care about takes effort, but it’s a worthwhile investment in your well-being.

Joining online forums or social media groups specifically for yacht crew can help you maintain ties with people who share your world. Events like crew meetups, industry conferences, or even casual dockside gatherings offer opportunities to reconnect with familiar faces and form new bonds. These moments remind us that the yachting world, though vast, can feel remarkably close-knit when we actively engage with it.

When you’re back on land, use the time to recharge and nurture relationships with loved ones. Strong connections onshore can provide stability, grounding you no matter where your next assignment takes you.

Why Connection Matters

The power of connection lies in its ability to transform isolation into community. In an industry as fast-paced and unique as yachting, fostering meaningful relationships ensures you're never truly alone, no matter how far you are from home.

Whether you’re leaning on peers during a tough crossing, finding support through resources like Yacht Crew Help and Yachtie Minds Matter, or taking advantage of telemedicine options to prioritize your mental health, reaching out can be life-changing. At MHG Insurance , we believe that building a support system isn’t just helpful—it’s essential.

Fort Lauderdale, Florida – January 29, 2025 – MHG Insurance, a leading international insurance brokerage and advisory firm, is delighted to announce the appointment of Guillaume Lange as Managing Director of the company’s new entity currently being formed in Antibes, France. This step shows MHG’s commitment to growing its presence and improving services in the Côte d’Azur.

In his new role, Lange will focus on supporting MHG’s yacht and marine business, developing new relationships, and expanding the company’s presence in the Côte d’Azur. Lange brings over a decade of international private medical insurance experience and has worked with leading insurance companies in Europe and Asia.

“Joining such a talented and respected team is a privilege,” commented Guillaume Lange. “MHG’s reputation for delivering expert insurance advice, tailored solutions, and outstanding client service truly sets them apart in the industry. I’m excited to contribute to and build upon this success.”

Situated in Antibes, the new office represents MHG Insurance’s third European location and a significant milestone in the company’s growth strategy. Establishing a permanent presence in the South of France allows MHG to be closer to business partners, clients, and crew, supporting more direct and accessible service.

“We’re thrilled to welcome Guillaume to the MHG team,” said MHG Insurance CEO, Alastair Macmillan-Bell. “With his extensive experience in international private medical insurance, his personable nature, collaborative approach, and dynamic leadership style, Guillaume is an excellent addition as we continue to expand our presence in Europe.”

Headquartered in Fort Lauderdale, MHG Insurance also has offices in the Isle of Man and Hamburg, each staffed by specialists dedicated to providing the marine industry with top-tier insurance guidance and solutions. MHG is deeply committed to fostering a culture of inclusion, offering a positive and family-like work environment that remains central to its identity.

About MHG Insurance

Established in 1991 in Miami, Florida, MHG Insurance is a global insurance brokerage and consulting firm focusing on the marine industry. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, wellness solutions, risk mitigation programs, property and casualty insurance, and financial services, all supported by a comprehensive attention to serving our clients at the very highest standards. Well-regarded in the marine community, MHG is known for its expertise in the Maritime Labour Convention (MLC 2006) and for creating MLC-aligned crew insurance solutions. To learn more, please contact mhginsurance.com.

Living and working on a yacht offers a unique lifestyle, but it also comes with significant challenges. These pressures can become even more pronounced during the holiday season, as being away from friends and family can intensify feelings of loneliness or homesickness. Combined with the high expectations of employers and guests, it’s no surprise that stress, anxiety, and burnout can take a toll on mental health. Taking the first step toward seeking help—or even acknowledging the need for it—can be difficult. However, mental health awareness within the yachting industry has grown significantly in recent years, and confidential, supportive resources are more accessible than ever.

At MHG Insurance , we understand the complexities of working in such a high-pressure environment and are committed to helping crew members access the support they need to thrive. Keep reading for an overview of resources, practical tips, and actionable solutions to safeguard your mental health. Remember, seeking help isn’t a sign of weakness—it’s a powerful step toward resilience, balance, and a healthier, happier you.

Support Dedicated To Seafarers

Several organizations offer specialized services and programs designed specifically for seafarers, providing support that is both relevant and compassionate. Remember, seeking help isn’t just for moments of crisis—it’s about proactively safeguarding your well-being before challenges become overwhelming.

• ISWAN’s YachtCrewHelp – A free, confidential, and multilingual support helpline for yacht crew, accessible 24/7, every day of the year.

• Seas the Mind - Committed to fostering mentally healthy and resilient yacht crews through Mental Health First Aid training.

• Yachtie Minds Matter – Captain Kelly Gordon’s initiative promoting mental health awareness resources for yacht crew. An industry advocate, Capt Kelly fosters open conversations and offers tools, information, and support to prioritize crew well-being, drawing from her own relatable experiences in yachting..

• Safer Waves - Safer Waves offers confidential help for seafarers experiencing harassment, bullying, and discrimination.

Unlocking Mental Health Resources with Your Crew Health Plan

Crew Health insurance plans have made accessing professional mental health support easier than ever. Many policies now include mental health services as a standard benefit, with no deductibles, co-pays, or co-insurance required. Whether you prefer in-person sessions or the flexibility of virtual consultations, help is accessible no matter where you are in the world.

It’s important to note that coverage can vary between policies. If you’re considering seeking support, take a moment to review your policy details or reach out to your insurance broker for a complete understanding of your options.

Building Peer Support Networks

Though professional help is invaluable, the power of community should not be underestimated. Connecting with fellow crew members or others within the industry with shared experiences can provide a sense of solidarity and understanding.

Some yacht crew turn to social media pages , online groups, or local meetups for support. Platforms like Facebook may host private groups specifically for crew, where individuals share advice, stories, and resources. Others opt for more structured peer-support systems, such as attending crew wellness events or joining organizations that promote mental health awareness in the yachting community.

Onboard, fostering open communication with your team can make a significant difference. Crew members who feel comfortable discussing their struggles with trusted colleagues often experience reduced feelings of isolation. While the yachting industry is still evolving in its approach to mental health, the cultural shift toward openness and empathy is palpable.

Self-Care: The First Line of Defense

Although external resources are essential, your personal habits also play a significant role in maintaining mental health. Prioritizing self-care onboard can seem challenging, but even small changes can make a substantial difference.

Physical activity is a powerful way to reduce stress and boost your mood. While many yachties stay active through the demands of their job, taking time for enjoyable physical activities can make all the difference. Whether it’s using the yacht’s fitness equipment, practicing yoga on deck, swimming, or going for a walk or jog during shore leave, exercise provides a chance to clear your mind and release stress. Even if it’s just a few minutes a day, try to steal a few moments for yourself. Prioritize activity that feels good for you—it’s an investment in both your mental and physical well-being.

Mindfulness practices, such as meditation or breathing exercises, are also excellent tools for managing stress. Apps like Calm or Headspace are particularly useful for busy schedules, offering guided meditations that can be completed in just a few minutes.

Maintaining a balanced diet, staying hydrated, and limiting alcohol are fundamental. While it may be difficult, try to get as much sleep as possible. It can be tempting to rely on convenience foods or energy drinks during hectic workdays, but prioritizing nutrition will provide long-term benefits for both your body and mind.

Taking the Next Step

Mental health is a vital component of your overall well-being. Whether you’re facing unresolved issues, navigating heavy emotional challenges, or simply need someone to listen, your Crew Health plan and industry resources are here to help. Prioritize your well-being by making healthy lifestyle choices and incorporating self-care practices into your daily routine. From professional counseling to peer networks and self-guided approaches, the resources available to yacht crew are designed to meet you where you are—no matter the challenges you face.

At MHG Insurance, we are dedicated to supporting the mental health of those who dedicate their lives to working at sea. Through comprehensive insurance solutions that include access to mental health services, we strive to ensure you have the care and support you need when it matters most.

Life onboard can be unpredictable, but with the right tools and resources, you can navigate the waves of mental health challenges with strength, resilience, and confidence.

As the winter chill takes hold, the allure of warm, tropical destinations becomes stronger than ever. For those seeking a luxurious escape to sun-drenched beaches, crystal-clear waters, and stunning coastlines, a winter yacht charter promises the perfect getaway. Whether your goal is relaxation, adventure, or cultural exploration, the right destination can make all the difference.

However, with all the excitement of planning such a trip comes the risk of unexpected disruptions. That's why protecting your investment with trip cancellation insurance is essential, and MHG Insurance is here to provide the peace of mind you need. After all, the last thing you want is to lose out on your dream charter because of unforeseen circumstances.

This Winter edition highlights a few of our favorite charter destinations that shine during the colder months. We'll also emphasize how trip cancellation insurance can safeguard your trip of a lifetime, ensuring that if plans change, you're covered.

The Caribbean: A Timeless Winter Getaway

The Caribbean understandably remains one of the top winter yacht charter destinations, offering a perfect escape from the cold. With its inviting beaches, warm climate, and countless islands to explore, the region promises a blend of luxury and adventure. Popular destinations such as Antigua, the British Virgin Islands, and St. Lucia provide a mix of vibrant culture and serene natural beauty.

The British Virgin Islands (BVI) boast calm waters and protected anchorages that make it easy to hop between islands. From the nightlife of Tortola to the untouched beaches of Anegada, the BVIs are an ideal location for both relaxation and exploration. Antigua, meanwhile, is famous for its rich history. Whether you're diving into the turquoise waters or exploring ancient sugar plantations, there's always something to discover in this Caribbean paradise.

The Bahamas: A Short Hop to Paradise

The Bahamas is an excellent winter charter destination for those in America seeking a tropical escape not too far from home. With its proximity to the United States, the Bahamas offers the perfect mix of convenience and beauty. The Exumas, mainly, are a favorite among charter guests, with their crystal-clear waters, vibrant marine life, and stunning sandbars stretching endlessly into the sea.

Chartering a yacht in the Exumas gives you access to some of the most breathtaking natural sites in the region. Visit Pig Beach, where you can swim with friendly wild pigs or dive into Thunderball Grotto, made famous by the James Bond film. The Bahamas offers diverse experiences and untouched islands where the only company you'll find is the occasional sea turtle.

The Maldives: Private Luxury in the Indian Ocean

For those looking to combine exclusivity with stunning natural beauty, the Maldives is a top winter destination. Famous for its overwater villas, crystal-clear lagoons, and incredible marine life, the Maldives offers unparalleled privacy and luxury. This collection of atolls in the Indian Ocean is perfect for those seeking a serene and upscale winter retreat.

Winter charters in the Maldives offer an ideal opportunity to experience its tropical beauty at its finest. The atolls are scattered across the ocean, giving you the freedom to explore tranquil, secluded beaches while enjoying the luxurious amenities of your yacht. Whether diving in the coral-rich waters, relaxing under the palm trees, or watching the sun dip below the horizon, the Maldives provides a dreamy winter escape.

Thailand: A Blend of Culture and Natural Beauty

Thailand's unique blend of natural landscapes and rich cultural experiences makes it a top winter charter destination. The Andaman Sea, dotted with limestone cliffs, emerald waters, and hidden beaches, is particularly captivating during the winter months. Phuket, along with surrounding islands such as Koh Phi Phi and the Similan Islands, is a favorite among charter guests for its natural beauty and vibrant local culture.

While exploring Thailand, you can indulge in world-class cuisine, discover ancient temples, and immerse yourself in the rich traditions of this Southeast Asian gem. For a more remote experience, the Similan Islands offer unparalleled diving opportunities and secluded beaches, making it easy to escape the hustle and bustle of mainland Thailand.

Protecting Your Winter Escape

As you dream of these winter charter destinations, it's essential to remember that the perfect trip can sometimes be interrupted by the unpredictable. From last-minute health concerns, business obligations, and weather, among many other reasons, the best way to safeguard your experience is through trip cancellation insurance. By partnering with MHG Insurance, you can ensure that your yacht charter investment is protected, giving you peace of mind as you embark on your dream winter getaway.

No matter which destination calls to you this winter—whether it's the sun-soaked beaches of the Caribbean, the serene waters of the Maldives, or the vibrant culture of Thailand—MHG Insurance can help ensure that if life throws a curveball, your trip of a lifetime won't become a financial burden. With the right coverage in place, you can focus on the joy of exploring these incredible destinations, knowing that your investment is secure.

Click here to learn more about our trip cancellation policy, or contact us for a quote today!