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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.

bankruptcyIt’s no secret that the United States is home to one of the most expensive healthcare systems in the world, and with these costs come some consequences. Hearing about someone having to file for bankruptcy can bring some assumptions that they mismanaged their finances, lived beyond their means, or made some bad decisions regarding investments. While all of those theories are possible, chances are the person had some unexpected medical bills that they could not afford to pay. So hear in lies the question, “Do I receive medical attention and risk my entire savings account, or do I make a financial decision that is less risky?”

For Example…

Here in the U.S. a visit to the Emergency Room can cost thousands of dollars, there is even a story that has been circulating of a mother who accidentally cut her one-year-old daughter’s finger while clipping her nails. Since her daughter was so young, they decided to be extra careful and took her to the ER in case she needed stiches or any other special treatment. Turns out she only needed a band aid, however the trip to the ER totaled almost $700! While medical bills may be the leading cause of bankruptcies in the U.S., many of those that file for bankruptcy actually could have avoided doing so had they taken the proper steps and precautions. Education is key to knowing what financial impact you may face before seeking medical treatment.

I’m sure we all know someone who has had to battle health issues and conditions, however there’s a good chance we don’t get to see the struggle that person has to deal with financially, only the struggle of them fighting to get better.

Use a Broker

Using an insurance broker may give you an advantage because brokers work for you, not the insurance company. Many times they will assist you in filing claims and dealing with paperwork that you aren’t familiar with and they can often guide you toward minimizing your out of pocket costs.

Find Someone You Can Trust

While using a broker can help you in finding the best insurance coverage for your budget, it also helps to find someone you can trust. You are relying on this person or company to fully protect you, so trust is important.

Change Your Mindset

Nowadays many people tend to think of health insurance as something that the government is forcing you to purchase, however you should try to think of it as an investment into your health. The cornerstone of insurance is to protect you financially; wouldn’t you rather pay a monthly premium than having to clear out your savings account if you get sick? Instead of thinking of insurance as buyer beware. Think of medical expenses as buyer beware.

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. 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?” 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.

Medical bills are one of the leading causes of bankruptcies in the United States. Read more.

2jpgChoosing insurance for your crew could be a more complicated job than you originally imagined. There is a lot of research to be done, quotes to be reviewed, and conversations to be had when deciding on what the best insurance options are for your crew. After all, crew insurance is not crew insurance, there is not one solution for all. That may not make much sense, but let me explain.

Having your yacht crew covered with proper insurance goes more in depth than having just one kind of insurance, or trying to pick the best option between two policies. There are several different policies that you should consider if you are the decision maker. Whether you are a yacht Owner, yacht Captain, or the person who has been delegated the responsibility of selecting the insurance for everyone on board, we are here to help!

Medical/Health Insurance

Medical insurance can speak for itself. Many of us are familiar with it because of the amount of times that we use it. However, there are many different aspects of a plan to consider. What’s the total deductible? Is there a co-pay? What about co-insurance? Does it include dental and vision? If you feel overwhelmed, please feel free to contact us for assistance and guidance on what plan would fit your yacht crew best.

Life insurance

While having life insurance is a personal option, there are yachts that include life insurance coverage as part of their benefits package. Offering coverage for your crew may give them some assurance that if anything happens to them while they are at sea, their loved ones will be more able to cope financially back home. Typically, the coverage amount is fixed in increments of $10,000, up to $100,000.

Accidental Death and Dismemberment

Accidental death and dismemberment, also known as AD&D, is very similar to life insurance. The difference is that there is only a benefit from an accidental death, or significant dismembering injury. This type of insurance typically provides coverage 24/7, not just while at work.

Personal Accident

Personal accident is a crucial insurance policy for your crew members. Often times referred to as PA cover, personal accident insurance will pay out a sum of money for permanent injury (and sometimes permanent illness). It is often confused with medical insurance, however it doesn’t provide coverage for any medical bills or doctors’ appointments, it simply provides a one-time payment after experiencing a permanent injury.

Disability Insurance

Disability insurance is a great way to offer coverage for your crew in the event they get hurt and can’t work for a short period of time. Having this policy will cover a percentage of the person’s wages if they are unable to perform their occupation and can last for up to two years or more due to an injury or illness. If the disabling event becomes permanent, the personal accident (if purchased as above) may kick-in and pay a lump sum. 

Hospital Indemnity

Hospital indemnity insurance at first glance would make you think that it covers hospital visits, however that is not the case. Think of this type of insurance as a poor man’s disability insurance. Depending on the policy, it provides a benefit each day your crew member is in the hospital. For example, if someone was hurt on the job and had to go to the hospital, the insurance would pay that person $100 per day that they are admitted in the hospital. This doesn’t cover their hospital bills, it just provides the person with an added benefit.

Features That Are Not Features

While the above list is not exhaustive of every option and feature, one thing to note is that some insurance providers tout features that do not hold true. For example, there is no such thing as a Maritime Labour Convention (MLC) compliant yacht crew insurance. It sounds good, but it means nothing. Another thing to be wary of is a plan that says ‘unlimited coverage’. Almost always with international policies, there are restrictions and limitations on the benefits such that the ‘unlimited’ part is actually quite ‘limited’.

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 atmhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “Yacht Crew Insurance Terms 101”.

Whether you are a yacht Owner, yacht Captain, or the person who has been delegated the responsibility of selecting the insurance for everyone on board, we are here to help!

risk managementIn many cases, business owners and decision makers see insurance as something they need only because a law makes it mandatory for them to remain in business. However, that couldn’t be further from the truth. Insurance is here to protect your business, it’s employees, the equipment, etc. We have also found that some aren’t aware what insurance is protecting them from, and don’t know what their exposures are. While recognizing certain buzzwords such as general liability, and workers’ compensation is great, we want people to understand why they have to have these insurance policies. After all, accidents happen, but there is no need for an accident to ruin your business.

Workers’ Compensation

A workers’ compensation insurance policy provides wages, medical treatment, disability, and if necessary a death benefit to employees who are injured on the job. While workers’ comp makes up a large portion of many businesses expenses, it is necessary because without it, businesses would liable for any injuries an employee experiences while working. It also protects the business from any lawsuits that could be filed by the injured employee.

General Liability

Commercial general liability policies protect businesses in a lot of ways. Typically, it provides coverage for bodily injury, property damage, and personal and advertising injury which protects the insured from slander and false advertising. General liability may also cover fire damage that is caused by the negligence of the insured.

Marine General Liability

Marine general liability policies are similar to general liability policies except they are designed specifically for those who work at sea, as general liability insurance will not cover those who work near or on the water. These policies include coverage for marine contractors and others who work on or near water.

Professional Liability (PLI or E&O)

Professional liability insurance, also known as errors and omissions (E&O), will cover your business if you provide advice, or provide a service. It will protect you against negligent claims and damages that are awarded from a lawsuit.

Employment Practices Liability Insurance (EPLI)

Employment practices liability insurance protects your business against claims made by your employees. It can protect you from claims alleging discrimination based on sex, race, age, or disability. It can also protect you from claims alleging wrongful termination, harassment, and many other employment-related issues.

United States Longshore and Harbor Workers’ Compensation Act (US L&H)

Thanks to the United States Longshore and Harbor Workers’ Compensation Act (LHWCA also known as USL&H), those who work in the maritime industry and fall into certain categories, will have coverage backed by the federal government, not just the state. The law ensures that workers’ comp benefits are provided to those who work in the maritime industry, which will protect your business from any lawsuits associated with a workplace injury.

Maritime Employers Liability (MEL)

This policy generally covers employees who are working onboard a vessel, whether owned by the company they work for or as a contractor. Think of workers’ compensation insurance for those who work at sea.

Having the necessary insurance policies isn’t all you should be doing to protect yourself. Practicing good risk management also includes taking precautions around your workplace to make it as safe as possible. Read our previous blog, “10 Tips on Creating a Safe Work Environment”, for help in deciding what steps you should take in order to further protect you and your employees. If you have any questions, or are interested in purchasing workers’ compensation insurance, USL&H or other types of business insurance, or group health insurance for your employees, please contact us at954-828-1819 or visit us online at mhginsurance.com. Our insurance specialists have the knowledge and experience to cover your company’s risks appropriately.

Accidents happen, but there is no need for an accident to ruin your business. Risk management is important to protect your business, but first you need to know why.

Getting ready to do my workoutSummer is upon us! Which means a couple things; people are ready to show off their summer body and will look to maintain their figure, and people will be taking summer vacations and traveling abroad over the next few months. Being healthy and traveling are two important aspects of life, however for some reason the two aren’t always synonymous. While traveling, many people may want to relax and kick their feet up, or eat delicious foods that may not be deemed “healthy”. Of course you could always go for a run or walk around the hotel grounds or the surrounding areas, or you could go for a swim in the hotel pool as swimming is one of the best exercises anyone can do. You could even do yoga to exercise the mind, body, and soul. But if you aren’t feeling any of those options, and there isn’t a gym in the hotel to work out in, try doing some non-weight exercises, or calisthenics, in your hotel room!

Calisthenics are a great way to get into or stay in shape. In fact, many people use calisthenics as their normal exercise routine and not just when in a hotel room. By using different exercises to target each muscle group, you can have a full body workout without leaving your hotel room in a short amount of time.

1. Upward and Downward Facing Dog- This is a common yoga exercise and is a great way to get your body warmed up before a work out or cooled down following one. Lay flat on the ground face down. Take a deep breath, push your hands against the ground to push your chest up while keeping your legs flat on the ground. Hold the pose for several breathes. On the last exhale, lift your bottom up to form a 90-degree angle with your body while keeping your feet and hands flat on the ground and your head between your arms. Stay in that pose for several breathes. On the last exhale, bend your knees to the floor so that your knees are under your hips and your hands are under your shoulders.

2. Planks- Planks are one of the best exercises you can do to work out your core. Lay face down on the floor. Prop yourself up with your forearms and keep your elbows directly below your shoulder. Remember to keep your body straight. For beginners, try using a straight arm with your hands directly underneath your shoulders.

3. Wall Sits- This is a great way to focus on your lower body as well as your core. Find a wall, then squat down into a sitting position with your back against the wall and your legs in 90 degree angles.

4. Mountain Climbers- Ready to get your heart rate pumping? Mountain climbers are a unique exercise that can get your heart rate up and work out your entire body without needing machinery or a large space to move around. Start in a push-up position and alternate bringing your knees to your chest.

5. Push-ups- This classic exercise focuses on your upper body strength and your core. To work out different muscles doing this exercise, try doing them on an incline and decline as well.

6. Sit-ups/ Crunches- This is another classic exercise that targets your abdominals. To increase difficulty try doing them with your legs up at a 90-degree angle. Or you could try air bike crunches where you alternate touching opposite elbows to knees.

7. Squats- This exercise really targets your thighs and your gluteal muscles. Remember to keep your feet shoulder width apart, and keep your heels flat on the ground when squatting.

8. Leg Lifts- As you may have already noticed, many of these workouts focus on your core, and leg lifts are one of the best ones you can do. Lay flat on your back and lift your feet 6 inches off the ground. For a change you could also try switching your feet from opened to closed every 10 seconds.

9. Lunges- Step forward with one leg lowering your hips until both legs are bend at 90 degree angles. Make sure your front knee is directly above your ankle and your back knee doesn’t touch the floor. Rotate legs.

10. Tables- Sit down with your hands and feet on the floor. With your arms behind you, prop yourself up by lifting your hips as high as you can, and squeezing your glutes and shoulder blades as hard as you can.

There are several different ways to approach these exercises, you could try doing each one until exhaustion, breaking them up into different repetitions and sets, or a mixture of both. There are a ton of other non-weight exercises you can do, however everyone is different and some may find other exercises more successful than others. Try looking up other exercises and make a work out guide that fits you and your needs best.

For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. It is important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value.

Being healthy and traveling are two important aspects of life, however for some reason the two aren’t always synonymous.