yachtsIt’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. This is even more so at the Fort Lauderdale International Boat Show which takes place in the yachting capital of the world! While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check. Below is a list of the 6 largest yachts to look for when attending the Fort Lauderdale International Boat Show which takes place November 5th-9th, 2015. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore this list may not be 100% accurate at the time of the show.


“Northern Star” 

“Northern Star” will be the largest superyacht at the show, and should be on every attendee’s list to see. She was built by Lurssen and is a whopping 247 feet long. See her at Sybass Slip 4, where she will be exhibited by Moran Yacht & Ship which is headquartered in Fort Lauderdale.

“Natita”

This 216 foot vessel was built by Oceanco in 2005 and refurbished in 2012. She is the Tri Deck model, and can accommodate up to 12 people. Her exhibitor is Worth Avenue Yachts which is located in Palm Beach, and will be located at Sails Marina Slip 1.

“Meridian” 

This mega-yacht was built in 2013 by Icon Ocean Going. “Meridian” is 205 feet, and can accommodate 16 people. The Exhibitor is YachtZoo LLC which is located in Fort Lauderdale, and will be located at Sails Marina Slip 3.

“Lady Lola”

“Lady Lola” was built by Oceanco and her exhibitor is Merle Wood & Assoc. who are headquartered in Fort Lauderdale. The location of this 205 foot yacht will be Hall of Fame North.

“Positive Carry”

Feadship is the builder of this 204 foot vessel. The location of “Positive Carry” will be Hall of Fame FD 22-26 and her exhibitor is Moran Yacht & Ship, which is located in Fort Lauderdale.

“Areti” 

This Trinity yacht was built in 2012 with the interior being done by the award-winning Patrick Knowles. She is a Semi Displacement model and her 197 feet can accommodate 12 people. The exhibitor is Burgess which is headquartered in New York, and will be located at Hall of Fame FD 4-6. 

Boat shows can often be a time where crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

6 Yachts to Look for at the Fort Lauderdale International Boat Show

fort lauderdaleThe Fort Lauderdale International Boat Show is just a few weeks away, which means yachts and crew are beginning to arrive and set up for the show. There is a good chance that yacht crew may have some down time leading up to the show that should be spent exploring and discovering this beautiful area. Fort Lauderdale is the yacht capital of the world, however, this city and the surrounding areas have so much more to offer outside the yachting industry that you should be taking advantage of. 

 

Fishing

South Florida has some of the best fishing in the world. With plenty of different options from lakes, to the everglades, to deep sea, there is a setting for whatever kind of fishing you are in the mood for. 

Everglades

The unique natural habitat called the Everglades is a short drive from Fort Lauderdale. Since the Everglades can’t be found in any other part of the world, a trip to South Florida is not complete without an airboat ride through the “Sea of Grass”. There are endless opportunities for camping and seeing animals that you won’t see anywhere else in the world. 

Native American Reservations 

The Native Americans are a large part of the history of the United States, and in South Florida, there are 2 large Native American presences. The Seminole and Miccosukee tribes have reservations in the area that offer plenty of things to do. Watch alligator wrestling, learn about the culture, or you could even visit the Seminole Hard Hotel and Casino in Hollywood. 

Beaches 

South Florida is home to some of the most famous beaches in the world. South Beach, Ft. Lauderdale Beach, etc. are just a few of the places you can spend a day, or two, or three, relaxing and sticking your toes in the sand. There are bars, restaurants, and shops everywhere, it’s no wonder South Florida is such a popular tourist destination. 

Sawgrass Mills 

One of the largest shopping malls in the country, Sawgrass Mills is a must if you plan on doing any shopping while you’re town. With over 300 stores, you will have no problem finding something that you wouldn’t be able to find back home.

Downtown 

Downtown Fort Lauderdale is a very popular area, with tons of great spots to enjoy an afternoon, or a night on the town. Riverwalk, also known as the Fort Lauderdale Riverfront, consists of Las Olas Boulevard and Himmarshee Street. This area is home to some of the best bars and restaurants that Fort Lauderdale has to offer. 

Museums 

Fort Lauderdale is home to a few unique museums such as the Museum of Discovery and Science, Museum of Art Fort Lauderdale, and International Swimming Hall of Fame. The Museum of Discovery and Science is full of interactive exhibits and is also home to an IMAX theater that has a screen that is 5 stories tall! 

Broward Center for Performing Arts 

The Broward Center for Performing Arts is among the top 10 most visited theaters in the world, with over 700 performances every year. This beautiful theater sits on the New River and hosts world famous Broadway Plays, concerts, lectures, and plenty of other events. 

Historic Houses 

Fort Lauderdale is a very historic area, and has few historic houses that are definitely worth a visit. Learn the history of the Stranahan’s when visiting the Stranahan House which was built in 1901. Or visit the Bonnet House and walk through the beautiful grounds and gardens.

Jungle Queen 

The world famous Jungle Queen Riverboat has been in operation since 1935. Take a cruise along Fort Lauderdale’s New River and see some breathtaking sites. Witness what it is like to live like the rich and famous as you pass through “Millionaire’s Row” and other areas with charming waterfront mansions.

Yacht shows can offer a time for crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. 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, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

10 Things to do in Fort Lauderdale While in Town for FLIBS

English teacherHave you ever dreamt about being an expat? How would you like to live in another country and teach English for a few years before settling down? Moving from an English speaking country to another country where they speak a different language can be intimidating. Especially if you are moving there to teach English! There is a high demand for English teachers around the world, as many countries are adapting to English speaking. Maybe it isn’t such a daunting idea after all! It should be noted that many places will require you to obtain a TEFL Certification (Teaching English as a Foreign Language) in order to teach abroad. 


Spain 

Did you know? Every year, the Spanish government recruits many people from English speaking countries to work as teaching assistants schools. This is a great opportunity for someone who is looking to live abroad, and who is looking to become an English teacher. There are plenty of opportunities to become a private teacher or tutor, if you would like to teach on the side to gain some experience while you work your way up the ladder. The pay and benefits may not be as great as it is in other countries on this list, but depending on what you value most, it could be an easy compromise to call this exotic place “home.” So if you would like to experience a country rich in culture, have tasty foods such a tapas and paella, and watch world class futbol up close and personal, Spain should be at the top of your list. 

Czech Republic 

The Czech Republic has one of the fastest growing economies in Europe, which has created a huge demand for English teachers. Those that are considering a move to Europe may want to consider Czech Republic, as the cost of living is less than other Western European countries. Imagine walking the streets and seeing castles, cobblestone streets, and breathtaking landscapes. 

United Arab Emirates 

The United Arab Emirates has a very large expatriate community, which can help you to feel more at home, and assist in making new friends. Some other advantages that may make the UAE a top destination for English teachers are the great salary and benefits you can earn. Many times the salary is much higher than what you would earn at home, and the benefits are usually 100% covered! There is a catch, typically you must have a lot of experience to get an opportunity to become an English teacher here as it is very competitive. 

South Korea 

South Korea may be a top destination for younger, less experienced English teachers. That is because about 25,000 foreign English teachers are hired here every year. So those that don’t have a lot of experience teaching, can gain their experience here. Also, it is one of the most technologically advanced countries in the world, which may attract other young professionals. 

Chile 

There are not many places in the world where you can snowboard and surf all in one place. Chile is one of those places! With many different settings, Chile has something for everyone. From big cities, to countryside, to living in the mountains, to living on the coast, if you are looking to move to a certain climate, Chile has it. Also, Chile interviews individuals from North America in advance, which gives you the opportunity to secure a position before you make the big move! 

Moving to a new country can be an amazing experience. For more information on what it’s like being an Expat, read our previous blog, “5 Reasons why it’s great to be an Expat.” If you are interested in more information about Expatriate Insurance, or are interested in purchasing Expat Insurance, contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or group!

The 5 Best Places to Teach English around the World

yacht chartererMany people consider chartering a yacht one of the most luxurious ways to go on a vacation, or see different parts of the world. Sailing the open seas while having a crew cater to your needs can be the ultimate way to relax. Until disaster strikes! Accidents can happen anywhere, and that is one reason why we purchase insurance. Who wants to be liable for a yacht that they don’t even own?


You Are Not Covered! 

Some may assume that they have all the protection they need from the owner’s insurance policy; however that is not the case. That insurance policy only covers the owner, and in some ways the crew working onboard. Under a standard AYCA or MYCA yacht charter, the yacht charterer is not covered under the owner’s insurance policy, and therefore cannot benefit from the owner’s insurance. Meaning you must get your own coverage! 

No Protection from Third Parties

It’s no secret that yacht charterers tend to be people of a certain status who have a large portfolio of personal and/or business assets, which means that third parties know they have deep pockets. Since the charterer is not protected against third parties, they are unable to stop the owner’s insurers from exercising their right of recourse.  Also, many decide to charter the yacht personally rather than through a limited company, which makes them even more of a target for third parties and insurance companies to collect reimbursements for any claims made.

You Are Responsible for Your Guests

According to clause 27, the charterer is required to indemnify the owner of the vessel for any losses or claims he/she causes. Something you may not know is that the charterer also accepts responsibility for any injury, loss or damage to or caused by charter guests. 

Example 

You charter a yacht valued $10,000,000 and it sinks because of damages you or one of your guests caused. In a matter of moments you went from having the time of your life to possibly being on the hook for millions of dollars in damages to the vessel, and that doesn’t include any injuries crew members may have sustained when reacting in the emergency situation. Don’t regret not getting covered.

How Much Coverage Do I Need?

We recommend that as an absolute minimum, the charterer should buy a policy that includes third party liability and liability for damage to hull with a combined limit of at least twice the value of the yacht chartered or $20,000,000, whichever is higher. The cost of the insurance is usually no more than 2 or 3% of the cost of the charter. Considering the amount of protection and money that charter liability insurance can save you, the cost of the policy makes this a no brainer! 

Liability is often unavoidable in life, which is why you need to have protection in all stages of life. Our ‘concierge service’ can assist you in finding the proper coverage for all aspects of your life. Our insurance specialists have the experience and knowledge to get you the best life insurance, health insurance, marine crew insurance, marine general liability insurancebusiness insurance, expatriate insurance, or travel insurance for your budget. Contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on marine general liability, read our previous blog, “What is the Difference between General Liability and Marine General Liability?

Planning to Charter a Yacht? Why You Need Yacht Charterers Liability Insurance

Packing for Your Next Contract

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

 

  contract  

 

  MHG cruise employees Infographic

Packing for Your Next Contract

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

 

The Basics 

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

How it Works

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

Essential benefits:

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

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

This is All Made Possible by…

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

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

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

 

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

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

About MHG Insurance Brokers 

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

MHG Insurance Brokers Welcomes New Broker

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

 

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

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

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

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

About the U.S. Superyacht Association 

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

About MHG Insurance Brokers

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

About Point Comfort Underwriters 

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

USSA Announces New Travel Insurance Plan Exclusively For Members

securityBeing a security employee can be a fulfilling job. Protecting and serving a community, family, or person, is important and shouldn’t be taken lightly. But if security guards are around to protect us, who is around to protect them? That’s what we are here for! It can be a difficult task for a security guard to obtain insurance coverage, such as workers’ compensation. Especially if those security employees are armed. The more danger surrounding a person, the harder it is to find insurance because there is an increased liability exposure. Security workers are around to help us feel safer, so we put together this list of tips that may help them get insured in order for them to feel safer.


1. Licenses 

Making sure your employees are properly licensed to use and carry a firearm should be a requirement for anyone who is a guard on your staff. Not only does obtaining a concealed weapons permit make it legal for them to carry a gun, it also gives them training. It’s important to keep a file of all licenses and certifications for all individuals.

2. Procedures

Having the right procedures in place can do a lot for your business. They can help to limit the damage caused by an accident, as well as help your business perform more efficiently. The former can go a long way when trying to get insured. 

3. Proper Training

Although your guards will have gone through training when receiving their weapons permits, you should still schedule regular training sessions for your staff. Accidents can always happen, and having a regular refresher may prevent a tragedy. When setting up a training session, it is a good idea to have the training conducted by a law enforcement officer or someone from the National Rifle Association (NRA). It may also help to have a law enforcement officer or NRA member on your staff. 

4. Who Owns Firearms? 

Having and using a weapon is an enormous responsibility that can create a serious liability. By having your security guards supply their own weapons, they may feel more comfortable. This will allow them to use a weapon they are familiar with, which may also help them use more caution. Also, by employees using their own firearm, it lessons your business’s liability because you are not using firearms that YOU own. 

5. Document Everything

Keeping proper documentation can be the key difference in getting insured. The insurance agent will review plenty of material regarding your company’s history when quoting your business. So the more information and documents you have, the more detailed their report will be. Failing to document certain aspects of your business history could keep you from getting coverage. 

MHG is a leading insurance broker for the private security industry, including guards, alarm firms, private investigation and more. Our insurance specialists deliver a variety of solutions that include competitive rates, comprehensive forms of coverage, and industry knowledge of the security and investigation sectors. For more information that can help guards regarding insurance, read our previous blog, “Workers’ Comp for Security Employees.” To learn specific details about a workers’ compensation insurance policy for security personnel, or to get a free quote, call 954-828-1819 or visit mhginsurance.com.

5 Tips for Armed Security Guards Regarding Insurance

benefitsWhen looking for a job, many people put just as much importance on the benefits the job offers as they do on salary. This is because sometimes those benefits help increase the amount of our salary we can take home, by saving money on health insurance or not having to purchase as much life insurance. People like to feel taken care of, and working at a company that offers great benefits can create a loyal workforce. However, there are still things people need to consider when it comes to their insurance benefits. 


Health Insurance

In most cases, if you could have a choice between individual health insurance and group health insurance, you should choose group health insurance. One reason is being part of a group plan offered through your employer may be less expensive for you than purchasing your own individual plan. That is because your employer is required contribute at least 50% towards your premium. Also, you should note that networks for group plans are much larger than networks for individual plans. One thing to be aware of when using a company sponsored health insurance plan is that you may lose insurance coverage if you lose your job. There are options that can allow you to keep your coverage, but it will be more expensive. For more read our blog, “Recently Laid Off: What are My Insurance Options?” Something else to be aware of is that your group plan may not be able to be customized to fit your needs. 

Life Insurance

There are some companies who will offer their employees life insurance coverage as a benefit. Typically the policy has a low face value. $10,000 and $15,000 are common. Some may think that they don’t need to purchase their own life insurance policy because it is offered through their work, however, you still should have your own policy for several different reasons. One reason is if you were to ever leave your current job, you would lose that life insurance policy. If you have people that depend on you, having your own life insurance could be just what your family needs. Even if you happen to stay at your job, the policy may be too low, and may not cover all of your needs and debts if something were to happen to you prematurely. For more information about different kinds of life insurance, read our blog, “What are My Life Insurance Options?” 

Disability Insurance

Disability insurance is a great way for your employer to give you and your family the coverage you need in the event you develop an illness or sustain and injury and are unable to work. It’s important to know whether your employer offers a short-term or long-term disability insurance plan. If your company offers short-term disability insurance, you may want to think about purchasing a long-term disability insurance plan in case you are unable to work for two or more years. If your company offers long-term disability insurance, you may want to think about purchasing a short-term disability insurance plan to give yourself coverage until the long term coverage kicks in. 

For more information about why it may make sense to have a disability insurance plan, read our previous blog, “What are the Benefits of Having a Disability Plan?” Our insurance specialists have the knowledge and experience to assist and guide you, your family, or group to the best coverage for your budget. If you are interested in purchasing a disability plan, health insurance, or life insurance, contact us at mhginsurance.com or call us at +1 954 828 1819.

What You Need to Know About Company Sponsored Insurance Benefits