SHERRY WERTZ 1FORT LAUDERDALE, FLORIDA (September 8, 2016) – MHG Insurance Brokers announced today that Sherry Wertz has joined the company’s Cruise Division as Administration Manager. Wertz will provide administrative and customer service support to cruise clients while working closely with the Division Manager and Claims Specialist, further developing business relations.

Wertz joins MHG with a tremendous amount of cruise industry experience having worked in various positions both ashore and on board. Most recently, Wertz worked as Senior HR Manager for a staffing company handling crew appointments for some of the world’s leading cruise lines.

“We have been looking for someone of Sherry’s caliber for quite some time to fill this newly created position.” said Edward “Mole” Telfer, MHG’s Cruise Division Director. “Sherry’s career in the cruise industry combined with her management background are exactly what we need to further the capabilities of the cruise division. I’m very happy to welcome her to the team.”

As MHG celebrates its 25th anniversary, the company continues to be at the forefront of developing insurance solutions and products to meet the changing needs of the cruise industry, businesses, and individuals around the world. Most recently, the Insurance Specialists at MHG identified a potential liability risk for cruise line operators and designed a liability plan to fill the gap in coverage.

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 the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com

MHG Insurance Brokers announced today that Sherry Wertz has joined the company’s Cruise Division as Administration Manager.

492989930Monaco is a sovereign city-state located on the French Riviera in  Western Europe. It is the second smallest and the most densely populated country in the world! It is also considered to be a very luxurious destination, fit for celebrities and royalty. Which makes it a perfect location for a yacht show!

The Monaco Yacht Show is almost here, just a few weeks away. Will you be going to this year’s show? Whether you are flying in for the show, or you are already there preparing your vessel and have some time to kill over the coming weeks, Monaco is a place most people only dream about visiting, so why not make the most of your trip! Here are some things that you must see/do while you are in Monaco.

1. Larvotto Beach

beachLarvotto Beach is a public beach located near Monte Carlo. Like many other beaches along the French Riviera, Larvotto Beach has pebbles rather than sand, so be sure to wear sturdy shoes or sandals. The water is clear and clam, the beach is clean and well kept, and the hotels and mountains along the shoreline will make you feel like you are in paradise, just be sure to arrive early as spaces are sure to fill up. While this beach is great for visitors of all ages, it should be mentioned that some beachgoers lay out topless.

2. Princess Grace Rose Garden
This Rose Garden was created in 1984 as a memorial to Grace Kelly, who was the wife of Prince Rainier III. The garden includes a statue of Princess Grace and features 4,000 roses. There are also palm trees, olive trees, and other plants. Visitors say the park is a great place to walk and enjoy a peaceful oasis. While at the gardens, you should also tale the time to explore Fontveille Park.

3. Thermes Marins Monte Carlo
Thermes Marins Monte Carlo translates to “The Sea Baths of Monte Carlo”, and is one of Monaco’s most beloved spas. The spa includes gyms, salons, treatment rooms, and restaurants. Treatments that are offered include underwater massages, seaweed body wraps, and anti-aging sessions. Take a dip in the indoor heated pool, or in the Jacuzzi that overlooks the harbor.

4. Palais du Prince
prince palaceThe Palais du Prince (or Prince’s Palace) is home to, well you guessed it, the prince! This lavish royal residence has been home to many royal families over the years such as Prince Rainier III and his wife, Princess Grace. Today, it is the home of Rainier’s son, Prince Albert II. Visitors have said that the palace offers incredible views, and recommend a tour of the state rooms to see what royal living is really like!

5. Museums
476168634There are two museums to visit while you are in Monaco. The first is the Oceanographic Museum of Monaco. This museum and aquarium was founded by Prince Albert I, who was a sea captain, in 1910. The museum includes many of the findings from his explorations. While the aquarium is often considered one of the best in all of Europe with more than 90 tanks. The second museum you should visit is the Museum of Antique Automobiles. This museum was gifted by Prince Rainier III with his personal collection of cars. There are about 100 vehicles including racing cars, carriages, even the Rolls Royce that Grace Kelly rode in on her wedding!

Bonus: Monte Carlo Casino
511850234A visit to Monaco really isn’t complete without a trip to its capital city’s casino, Monte Carlo Casino. This casino was the inspiration for the casino in Ian Fleming’s first James Bond book, “Casino Royale”. It was also in the Bond films, “Never Say Never Again” and “Goldeneye”. Many consider it a must visit because of its grand décor and tons of different gaming options. The Casino officially opens for gaming at 2 p.m. and you must be 18 or older to enter with proper attire.

Our Insurance Specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Whether you are in need of travel insurance, yacht crew insurance, or life insurance, visit mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 for help in selecting the plan that fits you best. Safe travels!

Monaco is a place most people only dream about visiting, so make the most of it while you are there for the show!

JW HAAGENSEN 1The bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25th anniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know one of MHG’s longest tenured employees, JW Haagensen!

Before MHG

Prior to working at MHG, JW worked at a turbine engine part manufacturing facility while waiting to attend motorcycle mechanic school. After September 11th, there were cutbacks and he was eventually laid off. Just around that time JW’s father, John Haagensen, founder and MHG President, asked JW to come and work for him. Thirteen years later, JW is one of MHG’s most experienced sales associates.

JW’s MHG Timeline

JW started at MHG on January 1st, 2003. His first position was Sales and Marketing Associate. At that time, there wasn’t a Marketing Department or the Sales Team that MHG currently has, so in essence JW was a one man show before the company grew and expanded into new ventures requiring them to bolster their staff. Over the years JW has changed titles several times however he has been doing individual sales for the past 13+ years. His current title is Account Executive, Inside Sales. He is in charge of MHG’s inside sales and works with yacht captains, crew members, contractors, concessionaires, individuals, and families.

Personal Interests

JW has several hobbies including boating, cars, and of course motorcycles. He loves being out on the water and cruising around town. He is also an animal lover and regularly helps an animal farm and orphanage in South Miami with his girlfriend, Jeannie.

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” 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.

It's our 25th anniversary, which makes it a perfect time for you to get to know the MHG team!

jeremy1The bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25thanniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know Jeremy Scarlett, Marketing Associate!

Jeremy’s MHG Timeline

Jeremy has been with MHG for 2 years. Hired in September 2014 fresh out of the University of Central Florida, he started out as an intern in our marketing department. As a recent graduate, Jeremy quickly became a valuable member to the MHG team due to his ambition, work ethic, and fresh knowledge and thus was offered a permanent position which is the title he holds today. Some of his responsibilities include managing MHG’s online presence including our social media pages, assisting in event planning, and is involved in a number of marketing projects. Although his career is young, the future looks bright for Jeremy, and we look forward to being a part of it!

Community Involvement

Community service has been important to Jeremy dating back to his college days, as he was a regular volunteer at Junior Achievement of Central Florida where he taught business classes to middle schoolers, and the Young Men’s Leadership Program where he was a student mentor. Today he is involved with Kids in Distress, Inc. (KID) and the Children’s Diagnostic and Treatment Center (CDTC) which are two organizations that are important to many of MHG’s employees.

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” 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.

Get to know our Marketing Associate, Jeremy Scarlett.

kriss2The bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25thanniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know the Operations Assistant in our Isle of Man office, Kriss Lane.

Before Joining MHG

Before joining MHG, Kriss had various jobs, most recently a department manager at Tesco Supermarket. Prior to being a department manager, Kriss spent seven years as an office manager at a financial advisor institution.

Kriss’s MHG Timeline

Kriss joined MHG in 2014 as an Operations Assistant. His experience as a manager, especially within the finance sector, helped him in making the transition to insurance and made it easy to understand the industry since the finance and insurance industries are quite similar. When asked about working for MHG, Kriss responded saying “I enjoy my time in the office working for MHG. We have a great, friendly team here and our relationship with the Hamburg and Florida offices is quite unique, in the best way possible.”

Interesting Facts

Kriss moved to the Isle of Man in 2000 with his wife Cathy, who is also our Director of Operations in the Isle of Man office. He is an avid fan of music and film and has some experience behind the camera as a make-up effects artist, which came about from his love of all things Sci-Fi & horror. Another very cool nugget about Kriss is that he plays guitar in a local cover band named Fugue State, which was inspired by the hit TV show Breaking Bad.

Community Involvement

Kriss has participated in various charity events around the island, the most recent being during this year’s Isle of Man T.T. Festival where he along with others took part in an all day concert that raised over £10,000 for local charities.

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” 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.

Let’s get to know the Operations Assistant in our Isle of Man office, Kriss Lane.

cautionAs insurance brokers, our number one priority is to look after you, the client. Our focus is making sure you have the coverage you need, that you are taken care of, and we are ready to fight for you regarding any claims or issues you are experiencing. Since we have your best interests in mind, it is troubling when we come across other insurance brokers and agents claiming to offer MLC compliant health insurance policies, because actually there is no such thing. It is prudent to have health insurance, but there is no rule in MLC requiring you to do so. Let me explain.

What is MLC?

MLC stands for Maritime Labour Convention, and is a code that was started in 2006 that helps protect crew members who work onboard ships and other vessels. Basically it is a book of different items that ship Owners are liable for in the operation of their vessel. It was implemented by the International Labour Organization (ILO), and should be followed by all commercial vessels or else face potential fines, detention or even vessel arrest. For more details on MLC, visit ILO.org for more information.

Don’t Believe the Hype

MLC does require ship owners to have some insurance in place (called Financial Security). Insurance like permanent disability, accidental death, and some other non-medical items like repatriation. But, it DOES NOT require ship owners to provide medical insurance! Where things tend to get confusing is that MLC requires ship owners to be liable for medical bills. While we highly recommend you to insure your crew so that you are not liable for the full amount of medical bills, MLC only requires you to cover the bills.

Work with Someone You Can Trust

It’s hard to count on someone that you can’t trust, so why would you leave your medical insurance to someone who does not provide you with accurate information? If a company is advertising MLC compliant insurance, do you think they have the knowledge, experience, and research capabilities to help you? Work with someone you can trust, after all there is a good chance you will be reaching out to this person or company in a time of need or desperation, make sure you can count on them.

What About Private Vessels?

As stated before, MLC is only applicable for commercially operated boats. However, that doesn’t mean you shouldn’t be offering insurance to your crew if you’re a private vessel owner. Any owner would like to attract the best crew possible, and having benefits that protect them could help to secure the best workers.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

There is no such thing as "MLC compliant" medical insurance, and here's why.

StaffPhotos-ClaytonThe bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25th anniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know someone who is always out and about. Clayton Swart, Manager, Business Development!

Prior to Joining MHG

Originally from Durban, South Africa, Clayton attended Varsity College where he studied marketing. Upon completing his studies, Clayton moved across the Atlantic Ocean to sunny South Florida in 2001 where he began working on yachts. After a short and fulfilling career as being a yacht crew member, Clayton decided it was time to transition to a position on shore and put his marketing background to good use as he began selling yachts for a top yacht broker.

Clayton’s MHG Timeline

Clayton joined MHG in March 2013 as a Business Development Manager for the Luxury Yacht Division. Clayton’s extensive first-hand experience in the yachting industry helps him to decipher what exactly yacht crew members need in an insurance plan. Today, Clayton continues to sell yacht crew insurance in addition to U.S. life and health insurance.

Interesting Facts

Working onboard a yacht, Clayton has sailed around the world, catered to a number of celebrities, and even met his wife Aran. He is always out and about visiting clients, traveling to boat shows, or attending local events. He is famous for his colorful pant collection which are often the talk of any event he is attending. Also, being from South Africa, he is a die-hard rugby fan and huge Springbok supporter.

Community Involvement

Clayton is currently a board member of the U.S. Superyacht Association, and was an integral part of developing USSA’s SET Plan. He is also a supporter and regularly attends events for the Marine Industry Cares Foundation (MICF) and the Children’s Diagnostic and Treatment Center (CDTC).

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” 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.

It takes a special group of people to make insurance fun, which is why you should get to know us! Meet Clayton Swart, Manager, Business Development!

broker brokerIt seems as if every day we hear myths regarding insurance brokers. We often find ourselves debunking false statements and explaining to clients that they received inaccurate information. Sometimes, people or products get a bad reputation that is unwarranted, for whatever reason. So here are five common myths that may have given the term insurance brokers a bad name.

1. “Insurance brokers are more expensive”

Have you ever heard the saying, “brokers make you broker”? That saying could not be further from the truth. In contrast, working with a broker can actually save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgment of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

2. “Insurance brokers work for the insurance company”

There are a lot of people who think that insurance brokers work for the insurance company, however again that is not correct. A broker advocates and works on your behalf. Basically, they work for you! Yes, they work with the insurance company in order to deliver proper coverage to people, however their concern should always be their clients.

3. “Insurance brokers are just a middle man”

While brokers may act as the middle man between you and the insurance company, they are so much more than just a middle man. In many cases, an insurance broker will conduct research for you, file and assist you with claims through the entire process, and work to get you the best coverage option for your situation. Often times a broker has direct connections with decision makers at insurance companies so you don’t have to sit on a 1-800 line for 20 minutes to talk to someone that doesn’t have the authority to help you.

4. “Insurance brokers can’t offer the best plans”

Insurance brokers can offer the same plans that an insurance company does, for the same premium as going straight to the insurance company. In fact, going through an insurance broker shouldy give you more value for your dollar simply because of all the added benefits that an insurance broker will perform for you.

5. “Insurance brokers aren’t as knowledgeable”

Insurance brokers are very knowledgeable. They spend all day, every day dealing with insurance. They know the industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

Sometimes, people or products get a bad reputation that is unwarranted, for whatever reason. Insurance brokers are one of them, read more.

Joanna1The bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25thanniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know Joanna Drysdale, Manager, Underwriting Services.

Before MHG

Before joining MHG, Joanna worked at a local general insurance broker for eight years where she learned the skills of patience and diplomacy.

Joanna’s MHG Timeline

Joanna joined MHG in 2011 as International Insurance Specialist. [JD2] She claims that working for MHG has changed her life and helped her to learn how important it is to have a happy work culture. Joanna now holds the position of Manager, Underwriting Services and when asked how she now feels about her employer, her response was “I genuinely love our team and MHG’s corporate ethos!”

Interests

Joanna is a vegan, and loves to cook and discover new cuisines, however her favourite right now happens to be Lebanese and other Middle Eastern dishes. Joanna loves walking her dog on the beautiful Isle of Man beaches, reading, listening to music, and spending time with friends and family. Joanna also happens to play the flute in the Isle of Man Wind Orchestra. She spends quite a bit of time reading up on current affairs and politics and loves listening to non-fiction podcasts like Radiolab and the BBC’s “From Our Own Correspondent”. Oh, and if you are curious to know what kind of music she likes, she loves Ben Folds, the Dixie Chicks, and Stevie Wonder!

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” 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.

MHG is celebrating its 25th anniversary this year, which means it's a perfect time to reflect. What better way to do that then getting to know our team!

hurricane tipsHurricane season is here! Even though the past few hurricane seasons have been quiet, all it takes is one serious storm to cause enough damage to shut your business down. Now is the perfect time for you to begin preparing your business for a natural disaster. Don’t be one of those who are scrambling to get ready at the last minute. While preparing your family and your house for a hurricane may be something you can do in the days leading up to a storm, preparing your business should be met with a bit more urgency. After all, chances are you, along with your employees, rely on the business in order to support your lives. Start preparing your business now by following these 5 steps.

1. Take Before Pictures

Prior to the start of hurricane season we suggest taking pictures of your property and building. In the event your business sustains damage and you need to make a claim, it may make the process easier. Pictures help keep our memory fresh, and offer proof of damage that may have occurred during the storm.

2. Have Enough Money Stashed Away for Payroll 

Hurricanes can easily shut down business for a couple of weeks, with loss of electricity, road closures, and flooding. Your employees may not be able to come to work for weeks. Even worse, your entire business may be shut down until repairs are done and everyday life gets back to normal. If your company is unable to make money for a period of time, does it have enough money in the reserves to continue paying employees? It’s a good idea to have the ability to pay your employees without 2 weeks’ worth of revenue.

3. Paperless Record Keeping

Many times hurricanes bring record breaking winds, and sometimes over a foot of rainfall. Both of which can easily ruin any paperwork you might have stashed around your office, warehouse, building, etc. To cover yourself, keep a digital copy of all important documents.

4. Keep Valuable Information at an Off-site Location

After making digital copies of all important records and documents, make more copies to store at an accessible, off site location. Store your licenses, contracts, operational records, proof of ownership, and of course any insurance paperwork. Also, try to keep them stored somewhere that is not in the path of the storm.

5. Make Sure You Have Proper Insurance Coverage

It is very important for business owners to understand their insurance policies, before a storm shows up on the radar. We recommend that you review your policy annually, and make sure that your policy still fits your needs. For example, your company could have grown over the last year, and now you may need coverage for areas that you didn’t need coverage for last year, such as new equipment or updated property. Also, if you have property that is covered, you can purchase “Business Interruption” which can cover the loss of income you may experience while your business is shut down.

Be prepared this hurricane season by performing all of these tasks before a hurricane is heading your way. Hopefully this will be a light season, but better to be safe than sorry.  If you own a business, and are looking for protection and would like more information on what you do to prepare your business for a hurricane, MHG Insurance Brokers would be happy to assist you. Also, if you are looking to purchase business insurance such as General Liability or Professional Liability, our insurance specialists have the experience to assist your business and offer advice in finding the perfect plan to fit all of your needs. Contact MHG Insurance Brokers today at +1 954-828-1819 or visit us online at mhginsurance.com

Hurricane season is here! Now is the time to prepare your business, read more.